davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

After reviewing my personal credit file, I notice the tradeline show a available credit limit of {$500.00}. I recently contacted XXXX ( i.e. XX/XX/XXXX ) requesting the tradeline be removed ; in addition, The accuracy of the information contained within the tradeline was also disputed with the recognized reporting agencies. The legitimacy of the account was n't in question, the information it contained was the issue of concern. XXXX was contacted again ; this time the account number & customer number was being requested. On XX/XX/XXXX at XXXX XXXX, Another inquiry was made to XXXX to see if the account was active or inactive. The representative informed me the account was indeed active, I then wanted to know why my credit file show a credit limit of {$500.00} and the document that was sent show a credit line of {$0.00}. The representative assure me it was because of past financial activity. I requested the account be closed, because with a XXXX balance the current agreement went against the company mission statement and advertisements. I again, requested the XXXX XXXX XXXX to request the tradeline be remove from my file. At XXXX XXXX a representative attempted to misinform me of the process to achieve satisfaction. XXXX credit specialist was very much in violation of the following : The Fair Credit Billing Act ( FCBA ) of 1974, 807. False or misleading representations [ 15 USC 1692e ] ( i.e. section [ 7 ] The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
In addition, in the comment section under XXXX tradeline its been showing re-investigation in progress for six or months.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX Date opened XXXXLast reported XXXX active XX/XX/2022 XXXX XXXX XXXX Account # XXXX Date opened XXXX-Last reported XX/XX/2022 Last active XXXX XXXX  Account # XXXX Date opened XXXX reported XXXXLast active XX/XX/2022 has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-08
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: EQUIFAX, INC. (IA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-12-09
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. (IL)

I have a private student loan with XXXX XXXX XXXX ( XXXX ), which I pay on time. However despite the fact that I pay on time, I was reported 30 days late in XX/XX/2019. I contacted the company three times and spoke to 9 different " supervisors. '' They repeatedly assured me that my account correctly reflects that I was not late and denied reporting to the credit bureau that I was late. They sent me two different letters confirming that in XX/XX/2019, my account was in good standing and advised me to dispute it with the credit bureaus. 

I filed two disputes with all three credit bureau agencies and each time XXXX confirmed that the late payment was correct. I advised XXXX  of this and they once again denied it. I was denied a loan because of my " late payment history '' so this error is negatively impacting me and causing me an extreme hardship. I am trying to get this resolved ASAP. Thank you.
Consumer complaint received 2022-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

On XX/XX/XXXX I placed an order for 6 dresses to XXXX via XXXX, with payment made via PayPal. 
- On or around XX/XX/XXXX, the dresses arrived and I discovered that they were knockoffs. 
-On or around XX/XX/XXXX, I submitted a return ticket to XXXX via XXXX, which was within a week of receipt of the merchandise. 
XXXX XX/XX/XXXX, XXXX approved the return. 
On XX/XX/XXXX, I filed a dispute with XXXX XXXX XXXX XXXX regarding the knockoff dresses not being as advertised and a failure of XXXX to provide me a US return shipping label despite the merchandise being mailed from a XXXX XXXX. 
-On or around XX/XX/XXXX, I sent proof of return of the XXXX merchandise to PayPal for the dispute case. 
On or around XX/XX/XXXX, XXXX XXXX XXXX XXXX issued me a temporary credit in the amount of {$240.00}. 
-On or around XX/XX/XXXX, PayPal resolved the case in my favor and refunded {$240.00} to my bank ( per email attached ). 
-On or around XX/XX/XXXX PayPal closed the case in my favor and the {$240.00} was released. 
XXXX XX/XX/XXXX XXXX claims that PayPal refunded the {$240.00} back to my bank. ( See attached email ) -On XX/XX/XXXX I was on a 3-way phone call with PayPal and XXXX and PayPal insists that theyve refunded {$240.00} back to XXXX on XX/XX/XXXX. PayPal sent an email confirmation to confirm that the {$240.00} was refunded back to XXXX. 
XXXX XXXX XXXX XXXX XXXX the money back to XXXX who promised to refund me upon the PayPal case closing as PayPal had the {$240.00} on hold.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BBVA FINANCIAL CORPORATION (AR)

BBVA/COMPASS SOLD OUT TO XXXX XXXX, WE HAVE AN AUTO LOAN THAT IS REPORTING LATE AND THEY KEEP CALLING OUR CELL 31 TIMES IN THE PAST 45 DAYS AFTER CEASE COMMUNICATION REQUESTED ALSO, CHARGE US LATE FEES.IF YOU DON'T CORRECT ASASP AS WELL CREDIT REPORTING ERRORS WILL START CLASS ACTION LITIGATION TODAY. LOAN NOXXXX
Consumer complaint received 2020-10-28
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 given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$14000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX {$7000.00}
Consumer complaint received 2022-08-13
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. (PA)

It appears that/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$410.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00}
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX XXXX XXXX  did a random credit check. He has never done this. Unknown manager s name he went to Transunion. .The unknown rep exposed my credit files so XXXX reduced my available credit. From {$1000.00} to {$250.00} and my account has a XXXX balance .He has violated the fair cares act taking adverse action on my account .I have called both places. There's a freeze on my reports. I complained to Transunion they said wait 30 days They were found guilty of Bankruptcy dischagred already. Now this What can I do XXXX said they do random credit checks But it's not fair I'm paying my bills and owe a lot less now.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XX/XX/XXXX Amount : {$420.00} XXXX XXXX : XXXX XXXX XX/XX/XXXX Amount : {$170.00} XXXX XXXXXX/XX/XXXX Amount : {$220.00} XXXX XX/XX/XXXX Amount : {$14000.00} XXXX LAST REPORTED DATE : XX/XX/XXXX Amount : {$17000.00} I have reached out to get these accounts resolved and had no success. I asked to provide validation of debt and late payments. I also been a victim of fraud and tried to dispute matters still nothing has been done. This was my last resort to get remedy for my claims.
Consumer complaint received 2022-08-13
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. (NJ)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out. Per FCRA segment 605 CREDIT BUREAUS are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. The ITEMS are unknown to me. Also, the information provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some ITEMS are a mystery to me. Delete these items listed below : 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 2017-09-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

On XXXX XXXX of XXXX, I contacted my mortgage company after receiving a statement with a balance of XXXX. Since then I have had concerns and questions about it and I still have not received any answers. I have been a victim of an unlawful foreclosure. I have called numerous times and spoke with reps and supervisors before the sale date, which was on XXXX XXXX. They only lied and guaranteed me that they would do their research and call me back. Needless to say they did not. I spoke with the foreclosure attorney and he gave me his direct contact number after I told him everything I have paid out and my issues. He even realized that something fraudulent had taken place. He also told me that he would call me in a couple of days after his research and if not to call him. He did not call so I called him and left a message. He did not return my call, so I waited another day and called him back and now he has an invalid number. My initial question was, why is my mortgage company charging me for arrears that I paid through my bankruptcy, in the amount of XXXX. It was completed and I was XXXX in XXXX XXXX. I also had a loan modification in XXXX which should have taken care of those arrears.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance to the Fair Credit Report act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

My credit card payment in XXXX was due on XXXX XXXX. I made the payment, and paid off the outstanding balance on XX/XX/2020. However, i was assessed an initial late fee on this payment as i made it at XXXX and evidently the cut-off time is XXXX. When i learned of the fee, i immediately called to have it removed as i do not feel this is appropriate, and all of my other credit cards have a cut-off time of midnight of the due date. 

When I called to have the initial {$26.00} late fee removed, I thought the issue was resolved, but all they waived is the interest. That didn't make any sense to me and i refused to pay the {$26.00} fee on the XX/XX/2020 payment, and again paid the balance off from actual charges. This time they charged me a {$19.00} late fee because i didn't pay off the previously owed {$26.00} late fee. So basically they are pyramiding late fees. 

In XXXX I called again to discuss the late fee issue and explained that when the only balance is a late fee ( that never should have been assessed ) and they are assessing additional late fees that is a deceptive act and potentially illegal, depending upon State law. 

The Customer Service Manager stated she couldn't do anything because that is how their system works with cut-off times, etc. and that she can't waive late fees, and that a late fee is part of the principal balance owed. I told her that was nonsense, as I should have been able to make the payment due in XXXX up until midnight without being charged a late fee. 

I went ahead in XXXX and paid the {$46.00} in late fees because i did not want anything reported to Credit Reporting Agencies ( CRA ) that would negatively impact my Credit Score or rating. However, I feel this is a predatory and abusive practice and want the {$46.00} refunded to my account. Additionally, I want any negative reporting to the CRAs to be reversed. 

Respectfully, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-01-11
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: Experian Information Solutions Inc. (CA)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating this disputes under MY NAME. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. This is mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-13
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2005 XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX  XXXX Balance : {$730.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

I am being sued in XXXX XXXX XXXX  Municipal Court for Case Number XXXX by XXXX XXXX. They have admitted I did not open this account and it is Fraud and they are still suing me and have sold my debt to others to collect on it and file lawsuits. Equifax has not removed this fraudulent case from my credit even though they know my identity was stolen because of their data breach. I want every collections and closed negative account removed as this is further proof even on their own admission that my identity was stolen and I am suffering XXXX XXXX XXXXXXXX  XXXX. I demand you order them to remove all of these accounts I have listed in the past and compensate me for my time and trouble.
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (IL)

On XX/XX/2021 The bank ( XXXX XXXX XXXXXX/XX/XXXX which I am refinancing with sent a email asking Mr. Cooper which holds my mortgage to sign the attached Letter of Direction from XXXX XXXX XXXX XXXX XXXX in order for me to move ahead with my refinance. They had a ABI on the mortgage which is A Beneficial Interest on the property stopping me to refinance with out them signing the Letter of Direction. 
After many phone calls and e-mails after 2 weeks they mailed me a Verification of Mortgage. I did not ask for that. I explained to several people that I spoke to that I would lose my new rate that I had locked in, they said they could not do anything it was in the hands of the research dept. which their was no phone number to. 
As it approached XX/XX/XXXX and losing my rate of 2.5 % XXXX XXXX XXXX XXXX said they could take care of it since Mr. Cooper was not. I now received a bill from the Land Trust company for {$540.00} which I never would of had if Mr. Cooper would have helped me. 
I spoke to and e-mailed : XXXX XXXX, XXXX XXXX Ph # XXXX
Consumer complaint received 2017-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

Recently an there was a levy attempt on an account I have with the XXXX XXXX XXXX in California. Currently I have an extension on that account through XXXX. On Thursday XXXX XXXX, XXXX I looked at my account which only had {$0.00} being overdrawn {$120.00}. 

There is a fee stating that the XXXX XXXX XXXX charged my account. I called the XXXX XXXX XXXX and there were no funds collected on my account. Wells Fargo states that this is a cost to Wells Fargo for processing their order, the XXXX XXXX XXXX of California stated they did not charge a fee to Wells Fargo. 

I called Wells Fargo XXXX/XXXX/XXXX around XXXX and was told this is a fee they charge as a cost. Their is no reference or disclosure to this fee and the XXXX XXXX XXXX did not charge it to them.
Consumer complaint received 2019-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

I received my statement in the mail for the previous statement period for my XXXX Visa credit card ( issued by Comenity Bank ) and noticed that an unusually large portion of my payments throughout the statement period were applied to my promotional balance transfer ( with a 0 % APR ), rather than my purchases. Upon calling the customer, I learned that they only apply purchases to purchases made in the previous statement period, even if you make purchases in the same period you make payments. Because of this, I made {$430.00} in payments to pay off the {$430.00} in purchases I made, not knowing they would not be applied to my purchases. Comenity was able to reallocate some of the money I paid back to my purchases from my balance transfer, but I feel that my payments should be applied to purchases which will accrue interest before my balance transfer.