davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-10
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. (OH)

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to "  promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : 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 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The first item in question is : Name : XXXX/XXXX  XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX According to my Experian credit report this item should have been removed ; however, it's still showing on my credit report. Please remove. 

The next item in question are for ( 2 ) accounts with XXXX. These accounts don't belong to me, please provide proof this account is mine. Also, there are ( 4 ) accounts for XXXX XXXX XXXX, these accounts don't belong to me, please remove. 

In addition, the following accounts don't belong to me, please remove. 

Account Name XXXX XXXX XXXX, XXXX Original Creditor XXXX XXXX-XXXX   Open Date XX/XX/XXXX Balance {$910.00} Account Name XXXX XXXX XXXX XXXX,XXXX Original Creditor XXXX   XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$550.00} Debt
Consumer complaint received 2018-03-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (CO)

XX/XX/2013 amount is {$760.00} IQ Data International IN this was about 4 years ago with XXXX apartments I was about XXXX XXXX XXXX and my mom used me as a XXXX XXXX for an apartment, I did not know anything about credit or how it could possibly affect me. When we left the apartment I did not know we had an outstanding balance. I did not receive any notificaiton that I owed anything to them.
Consumer complaint received 2015-09-17
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (TX)

american express closed accounts with balances on them accounts XXXX XXXX XXXX XXXX on the illegal interference XXXX XXXX XXXX i think not part of my estate part of trust nominee account and on a business account through XXXX a nominee account for a trust ***************** XXXX XXXX and other evolving numbers as they kept being stolen
Consumer complaint received 2015-09-11
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: 21ST MORTGAGE CORP. (MI)

We are trying to sell our trailer that is in XXXX XXXX homes which is part of XXXX community. We have XXXX buyers interested in purchasing our home however when going through 21st Mortgage Company they required a {$20000.00} down payment however, they went and applied through the XXXX XXXX community and was approved on the spot with less money down on a new home and used home. We have been trying to sell our home since XXXX on our own thru a realtor and XXXX XXXX wants 10 % in order for us to sell our home thru them which is completely unfair because getting outside financing for anyone almost seems impossible. These XXXX companies are making it extremely difficult for us to sell our trailer on our own and we almost feel forced to sell thru XXXX XXXX or we wo n't be able to sell it at all.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (IL)

I entered into a loan agreement with Mariner Financing in XXXX. A short time after an identity theft situation caused me to indirectly default on the loan. This loan is being repaid through a third party I contracted with. 
Mariner Finance listed this loan as closed on my credit report however they listed it as two seperate entries with two seperate account closing dates. The amounts shown are the same, one shows XXXX balance and one indicates a declining balance with payments being made. 
Only one account closure should be listed on my credit report. It is having an unneeded negative impact on my credit.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (CA)

I dispute about a charge that Barclays bank charging me. because they didnt send me any email or mail or call XXXX XX/XX/XXXX( that was the last email statement that I got from them ) since there I didnt hear from them at all I had auto pay and I wasnt bather to find out what is my balance, until I check my credit report recently and find out that I owed them money from more than a year ago. if they just notified me, I could pay it right away but if they keep it secret from me just because they want to charge me interest and penalty that is not fair. I can prove you by show you all my email that I didnt get any email from them scenes XXXX XXXX. I asked them to remove all the interest. the original amount is {$69.00} I can pay it as soon that I will get a bill. but more than that I refuse to pay, Barclays bank try to collect interest and penalty without sending any notice to the clients. I asked Barclays bank on XX/XX/XXXXto rmove it from my credit report but they ignored me.
Consumer complaint received 2015-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have like XXXX or XXXX credit cards on my credit report that when I applied the terms where unclear so I cut them up and never used them now they are trying to use up front fee 's as a balance that I owe even thou as soon as I received the cards I called them and canceled them and never used them for instance a XXXX card that when I received they had already charged the card XXXX for processing fees I canceled them as soon as I got them and read the terms now they are adding interest and making derogatory marks on my credit
Consumer complaint received 2017-05-01
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. (NY)

XXXX   XXXX   XXXX  Account should be deleted as of  XXXX    XXXX   according to report  XXXX   ( have had problems in the past with prompt deletion when dealing with TransUnion directly ).
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have advised Experian on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXXXXXX XXXX, XXXX XXXX. I have never paid the XXXX/XXXX   account late, I have never paid the XXXX/XXXX account late, I have never paid the XXXXXXXX account late. The XXXX XXXX account does not belong to me, the XXXX XXXX XXXX account does not belong to me, the XXXX XXXX XXXX account does not belong to me, the XXXX XXXX XXXX XXXX account does not belong to me, the XXXX XXXX account does not belong to me. Experian has yet to prove how they received this inaccurate information and have not corrected the information following my proof that the information is inaccurate. Please help me get this matter resolved.
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/2007, my name was listed second on a loan with XXXX to allow my former spouse to purchase her vehicle under the XXXX Employee Program. After numerous late payments by HER, it was sold and the proceeds above the loan balance were refunded to her. Despite the fact that I made NONE of the late payments, no " repossession '' was done from me, and I did not receive any of the sale profits, TRANSUNION refuses to delete this account from my file.
Consumer complaint received 2015-08-29
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I have been having problems and disputes with XXXX XXXX and Select Portfolio Servicing , Inc ( SPS ) since 2011. I have just written a long letter to SPS that thoroughly explains some of what I have been through in the past XXXX years. I accepted the XXXX modification in 2011 because I felt I had no choice. XXXX dragging out the modification process for XXXX months has no reasonable explanation. The modified amount of {$550000.00} was quite high. There are many details contained in the XXXX page letter that will give you a very good picture of what I have gone through.
Consumer complaint received 2022-02-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.
Consumer complaint received 2017-03-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/XXXX, I placed a fraud alert on with XXXX and obtained a credit report. I discovered that several entities that I do not have accounts with obtained my person information and conducted unauthorized credit inquiries with the credit reporting agency XXXX. Between XX/XX/XXXX and XX/XX/XXXX Capital One conducted XXXX unauthorized inquiries into my credit at a rate of a minimum of twice a month. XXXX conducted unauthorized inquiries on XX/XX/XXXX and XX/XX/XXXX. XXXX conducted an unauthorized inquiry into my credit on XX/XX/XXXX. XXXX conducted an unauthorized inquiry into my credit on XX/XX/XXXX.
Consumer complaint received 2016-07-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted XXXX about XXXX inquires on my Transunion credit report on XXXX XXXX. I was told that they would contact Transunion removing the fraudulent inquiries. They have not. Then when I contacted them again, they directed me to Transunion in which they directed me back to XXXX. I am entitled to have these fraudulent inquiries removed XXXX Inquiry XXXX XXXX, 2015 XXXX Inquiry XXXX XXXX, 2015 XXXX Inquiry XXXX XXXX, 2015 XXXX Inquiry XXXX XXXX, 2015
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I opened a Kohls department store card in 2017 with a credit limit of XXXX. I was going through some financial hardships and failed to make payments. I checked my credit report to see they tacked on XXXX when my limit was XXXX. I've disputed numerous times and each time they keep updating that I owe them that much. I don't understand how they could double the amount I owe.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (HI)

I am trying to get my free annual credit report with Equifax. The on-line form asks for a middle initial. I don't have one. It won't let me leave it blank, and there is only space for one letter so I can't put N/A or no middle name. 

I have spent an hour on the phone trying to call them. I pushed 1 and 2 and 3 and gave my social security number, etc. very obediently. Finally, they simply hung up. Back to square one. 

I tried contacting them electronically, but the middle initial issue stopped me again. I don't want to mail my request in with a copy of my driver 's license, etc. Too much trouble. Takes too long. 

Can someone tell them to allow for no middle name on their on line form? What else can I do to get my free annual credit report from Equifax? Please help.
Consumer complaint received 2016-04-12
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Citizens Bank ( CFG ) counts it against the bankers if the customers choose to opt out of the debit card coverage. Therefore some bankers encourage their customers to opt in so that their cross sell ratio on new accounts is not negatively effected. If this happens to you, leave. Or just leave now. They do not know what they are doing.
Consumer complaint received 2016-09-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We are business and private customer at Bank of America since 2008 in good standing. About a month ago we have received a phone call and were requested to provide personal sensitive information like our social security numbers, etc. over the phone in order to update our customer profile. We denied to give out this information by phone but called Bank of America immediately to take care of this update. Our information had not changed, but we received the information by phone that the update was taken care off. On XX/XX/XXXX we received 5 different letters from Bank of Amerika : XXXX of our credit cards had been closed, XXXX of our checking/saving account would be restricted due to missing personal information. We called Bank of America again, provided more information, until everything was supposedly resolved. When we tried today to pay our Credit Card Statement we learned that our business credit cards were closed. Today we lost 5 hours talking to different agents at Bank of America who were all very friendly but who could not do anything else than apologize and telling us that these are all compliance reasons. Why can we get a letter by mail that our accounts are closed but not a letter that there are still certain points that have to be clarified before the account is closed? At this point we are really upset and not feeling treated as " VALUED ' customers ( like Bank of America always tells us ). We want to make sure that this matter is taken care for all our accounts now before our other accounts are blocked / closed also. We are really disappointed that Bank of America is " playing around '' with our accounts just to get information and not considering in one single moments that they are affecting our business and private banking in a very negative way.
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 
XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XXXX XX/XX/2016
Consumer complaint received 2017-03-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

I forgot that I had a {$20.00} insurance payment charge that was drafting to my account. Because the bank moved out of state, I had moved just about all my funds to another bank account. Citizens Bank took a {$20.00} insurance payment charge and ballooned the fee to {$230.00} within 6 weeks and they never sent me communication through email or text, and through direct mailing I did n't receive anything until it was over {$150.00} in charges. 

If I had been aware of the charges I would have easily taken care of them. Instead they decided to prey on a customer that was leaving them.
Consumer complaint received 2016-12-16
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Revenue Assurance Professionals LLC (TN)

My wageworks credit card sent them a check for XXXX and that check was returned back for incorrect address that was given to me by XXXX XXXX University. After a month I received a letter from XXXX that my payment is passed due so I called my wageworks and they told me they already paid them but they returned the check. I called XXXX and explained what happened and if they can send me a good address and another medical bill to resubmit it to my wageworks and they never did until they finally kept sending me a balance statement instead of a medical bill. I told them a balance statement is not accepted by my wageworks credit card so they ignored my calls and reported me to CRS Consolidated Recovery System. I explained to CRS that my wageworks card is willing to pay because they did before and the check was returned if MHU can send me a bill, but even I told them what is going on and why my wageworks can not pay them unless I get a medical bill CRS kept sending me a balance statement which is not accepted by my wageworks credit card. The whole thing is very simple to solve if XXXX send me a medical bill stating in it the exact type of treatment they provided the payment will be issued in a matter of a week. Both XXXX and CRS do n't want to cooperate.
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NC)

I have had my Chime account for some time and I was not able to access my account in XXXX they closed my account with over {$30000.00} ( XXXX for my business ) leaving me and my children destitute and eventually homeless. We were forced to live in my car. I had to use other emergency credit cards for food and necessities. I was unable to repay my credit cards. I was going to relocate my business to XXXX from NY and I was unable to do so ; I then had to shut down XXXX XXXX XXXX  and put everything into storage. I became unable to pay my storage unit and lost everything. I'm still trying to rebuild myself after all of this devastation. Worst of all I had to give my mother partial custody of my children because I lost the vehicle that we were living in as well.
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AR)

XXXX XXXX collection account from XXXX XXXX  is reporting on my Equifax credit report and should not be reporting because its a fraud account the verification doesn't match my birthdate. I have contacted the credit bureau and company but still haven't resolved.
Consumer complaint received 2017-01-11
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I am contacting your agency because I need your help in disputing some charges done on my Capital One by some fraudulent companies. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid one company my phone got inundated with calls from these companies offering me their services. I would like you to investigate all charges done on my Capital One card by the companies : XXXX, XXXX, XXXX charged last year between XX/XX/XXXX and XX/XX/XXXX. I realized I paid thousands of dollars for these companies. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with and get my refund but they ignored my requests.
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Equifax continues to report inaccurate items attached to a bankruptcy that is no longer reporting to my file : XXXX XXXX XXXX XXXX XX/XX/2010 no bankruptcy on file XXXX   XXXX XXXX XX/XX/2010 no bankruptcy on file XXXX XXXX XXXX XX/XX/2010 no bankruptcy on file 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a  consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Equifax has been malicious and bold in these matters because they have not been sued enough. I fully intend to pursue any and all remedies available to me ...