davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
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. (MS)

You have violated various laws under the FCRA, and I am looking into seeking litigation as you are not taking my disputes seriously. 
FCRA 15 U.S.C. 1681a, you are required to report accurate and fair credit files. 
FCRA 15 U.S.C. 1681e : you are reporting false and misleading information FCRA 15 U.S.C. 1666b, Timing of payments FCRA 15 U.S.C. 1605, Determination of finance charge Dept/Aidvantage Acct # XXXX Dispute reason : Inaccurate payment history, Date of last payment XXXX different years, Balance update Instruction : Please update payment history current/never late or deleted the account The list of inaccurate information : TransUnion mail dispute results on XX/XX/XXXX. The investigation results verified as accurate XXXX XXXX 90 days late XXXX XXXX 90 days late XXXX XXXX  120 days late XXXX XXXX 120 days late XXXX XXXX 120 days late Transunion Date of last activity XX/XX/XXXX Transunion Balance updated XX/XX/XXXX XXXX email results on XX/XX/XXXX, the investigation results verified as accurate. They added a late payment XXXX XXXX  90 days late XXXX XXXX  120 days late XXXX XXXX 150 days late XXXX XXXX 180 days late XXXX Date of last activity XX/XX/XXXX XXXX Balance update XX/XX/XXXX PLEASE SEE ALL ATTACHED DOCUMENTS!!!!
Consumer complaint received 2017-07-08
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (TX)

I have had a Zale 's store charge card for about one years. The first balance was to be paid off in 12 months without interest. Zale 's set the minim per month to below the 12 month payoff amount, so they can charge back interest, not off on time. I charge some other items that should payoff in 3 years. Now I just found out that if I do n't pay almost 3 times the minim each and every month, This balance will not be paid off They tell me it is up to me to make sure I do the math and divide the balance and make sure I am paying enough. So My complaint is they need to be up front on their billing and change their billing practice to make sure you know how much to pay each month, and change the minimum payment to so the consumer is not caught off guard thinking they will have the balance paid off on time. This is a SCAM for all Zale 's customers. Please look into this. thanks XXXX
Consumer complaint received 2022-03-11
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. (FL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the XXXX XXXX XXXX the bureaus have to report XXXX percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: IMC Capital, LLC (FL)

XXXX   XXXX   XXXX     - I received an unsolicited credit card in the name of my company from   XXXX   XXXX   with a credit limit of {$150000.00}. In addition, no credit terms were included with the card, which violate s TILA.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NY)

After the horrendous Equifax breach that consumers had to learn from the news months later. Equifax promised free 1 year credit monitoring, credit report and social security number monitoring to those affected through Trusted ID Premier. Once you enroll in Trusted ID it has been over a week of runarounds and hours on the phone with Equifax who just gives you a runaround access to this service is unavailable. It tells you are already activated enter username and password. I never activated, Equifax advises to click forgot password and create a new one. I never created a password or username to begin with! Was able to change password and then get a message ca n't create your account wait 2-3 hrs try back again or call XXXX which is Equifax who ca n't help you just runaround about system crashes, inundated with calls told to call other number for Trusted ID and literally  have been on hold from 4-8 hours with no response.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I monitor my credit report and score with all 3 credit bureaus. I believe my credit report and score is unfairly scrutinized and calculator. I pay all my bills on time and according to the reporting agencies, my score is updated twice every month. However, that is not the case. I am working on a payment plan with one credit card company and it turned out I had one missed payment. Suddenly, the reporting agency decided to update my score and take away XXXX points! They suddenly did this as soon as they received information about the one late payment, but never gave me credit for always paying my bills on time. That is very discriminating and should not happen to anyone. Now, I do not know what to do to fix this. This mainly applies to THE BANK IS XXXX XXXX XXXX XXXX XXXX. I fear this is tearing down a person who works hard everyday to pay bills on time and do things the right way. Destroying my credit like this is a path to destroying my future endeavors that I am working towards. Please help.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-10-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (HI)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX   XXXX****, XXXX XXXX XXXX  XXXX****, XXXX XXXX****,  XXXX XXXX****, The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2018-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Enterprise Systems, Inc. (NV)

When I was first notified of this fraudulent debt years ago, I notified the original collection company that my account had a fraud alert on the account and that I did not believe this was my account. The original debtor cancelled the debt years ago and sent the IRS documentation indicating the debt was forgiven and that I was to be taxably responsible for the forgiveness. I am now being harassed by a collection agency which has, I 'm guessing, purchased the account even though its already been written off and I 've already been held accountable for the tax forgiveness. My understanding is the original company was compensated by the government for the debt and therefore there is no debt to collect, Not to mention no one had ever provided me with any original wet signed documents indicating I was the original signor, which i asked for from the original creditor for years. 

I sent numerous emails and mailing to the original creditor which were never responded to within the 30 day timeframe and there were in violation of my consumer rights back then and now I am being harassed for a debt already forgiven.
Consumer complaint received 2018-01-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (AL)

I was out of work for a month due to XXXX. I went to the office where the loan was made and explained that I could n't make a payment for the foreseeable future but as soon as I could get on my feet that I would resume payments. Their solution was to loan me more money. That was the only option they offered. I could not get approved for another loan. 
They have called relentlessly ever since! Even though I have assured them that I had no money for the payment. 
The store manager even came to my house today depending payment! 
A day which the office is closed!
Consumer complaint received 2020-05-31
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. (FL)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

A default judgment is appearing as a collection account on XXXX, XXXX, AND EQUIFAX.It is appearing perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERAL enacted within recent years.In addition.the date of 1st delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL THREE BUREAUS after numerous disputes permit a false re-aged date of 1st delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS  GENERAL AGREEMENT CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.The disputed account is XXXX, XXXX, & XXXX acct. no. XXXX.
Consumer complaint received 2015-09-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (RI)

I performed a re-finance of an existing mortgage with Quicken Loans. Two months after the closing, Quicken sold the mortgage to XXXX XXXX. I do not want XXXX XXXX to be my mortgager. Is there a process that I can go through to stop this transaction?
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NY)

This complaint is in regards to Barclays Jet Blue credit card. I am trying my best to lower my credit card balances and payoff my credit cards which of course would help my credit score. I had a XXXX credit line with this Barclays card and I was paying on time each month a little over the minimum. I only had a little over {$300.00} a available on this card. I paid a big sum over {$1000.00} on this card in hopes to work towards my goal of improving my credit score. Today, XXXX XXXX, I found out that they cut my credit in half to {$1000.00}. I did reach out to the company and all they told me is the reason they lowered my credit was due to my credit score. I dont feel this is honest and it seems very predatory and a way to keep my credit score low in order to maintain my high interest rates. The only solution the relationship credit manager gave was to apply for an increase on my credit line which would require a hard inquiry, which would cause more negative results on my credit. I really feel this should be illegal for credit card companies to try and find ways to cripple your financial efforts in increasing your credit score. The only action I took so far was to fully pay off the balance because I know closing this card would also effect me negatively. Thats my complaint. Thank you for any help in this matter.
Consumer complaint received 2017-07-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (PA)

The debt was written off and closed however Westlake financial is still reporting it saying there is a balance of XXXX. This was closed on XX/XX/XXXX but as of XX/XX/XXXX they are still reporting it.
Consumer complaint received 2018-01-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CO)

My name is XXXX XXXX. I have an account at US Bank. I have in the past had problems with US Bank over drafting my account even when my preferences are set for my card to decline if the account has insufficient funds. I took all the money out of my checking account save {$6.00} on XXXX XXXX, 2017 with plans to close the account later on. Due to past terrible experiences ( I have attached an email detailing those experiences to this complaint ), I put it off until I recently checked it and found that it was {$100.00} overdrafted. This was due to a {$6.00} payment taken out by a company that I had changed my payment method with, but who apparently did n't change over my payment information for this new card even though I inputted it as my preferred payment method. While they refunded the initial overdraft fee due to this payment, there was still a {$.00} deficient that they charged on now from XXXX XXXX to XXXX XXXX. This deficit should n't have existed at all since I was made to understand that the account was set up to not except payments that over drafted the account. It was also was previously set up with 'over draft protection ' meaning it would take from the associated savings account if the checking account did n't have enough funds, which would have in this case, made it where the account did n't over draft. Meaning that even if neither of the two times I went in to correct the problem of my account over drafting worked, this problem still should not have existed in the first place.
Consumer complaint received 2021-01-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (CO)

I received a letter from Dynamic Recovery Solutions stating that I owe them a debt of {$2200.00} and that I had 3 options for resolving this debt. They are stating that if I do not resolve this now I will not have another chance. However, I have no debt related to the company that they are stating and there is no association with me and this company.
Consumer complaint received 2017-07-08
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: Exeter Finance, LLC. (FL)

I contacted Exeter Finance and XXXX on several occasions in regards to a fraudulent inquiry from XXXX XXXX XXXX dated X/XX/2015. I have supplied them with the police report and identity theft affidavit and they continue to refuse to remove said inquiry. They continue to tell me to contact XXXX XXXX XXXX however they themselves even removed their inquiry after I supplied them with the exact information I provided to Exeter Finance. <P/>I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy This will be my last attempt before seeking legal counsel.
Consumer complaint received 2018-01-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (CA)

Commonwealth Financial systems a 3rd party collection agency attempting to collect a debt in the amount of {$1900.00} for medical when all information was given day of services and has been paid in full.

This collection agency has reported to my credit bureaus, I am asking them to show proof that this debt is owed to Commonwealth Financial Systems and please remove permanently from all 3 credit bureaus.
Consumer complaint received 2016-11-16
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mnet Financial Inc (TX)

Received calls from XXXX manager XXXX. for a debt collection from 2014. After many calls back and forth I noticed they already knew my name without asking for it first, the account number provided was nowhere to be found with my hospitals, doctors etc and phone number provided was incorrect. Very clever group of people, PLEASE be aware if you receive any calls from this number!!!! Asked for their license, and they do n't provided me with that information.
Consumer complaint received 2021-05-22
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)

Experian has repeatedly without hesitation taken $ XXXX per month from me for their credit monitoring and fraud defense service yet to date has not only failed to assist me with identity theft issues, but has also lied about conducting investigations into information on my report that was the result of identity theft. There dishonest and unlawful approach to supporting identity theft victims is well documented since one of the furnishers ( who I contacted through the CFPB ) has disclosed that Experian never once informed them that their information on my CR had been reported as resulting from identity theft. 

Experian has continued there brazen disregard of the law by failing to properly investigate a recent collection account that has appeared on my credit report. They also unlawfully refuse to provide an explanation of the steps and process they used in there alleged investigation of my dispute of this collection account, which only further brings into question whether or not they actually properly investigated. 

They also will only allow paying customers to view the results of their disputes.
Consumer complaint received 2017-07-08
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)

I submitted a complaint to XXXX about XXXX XXXX ; I have paid in full to the account. I also want to know why these United States Credit Bureau 's are allowed to only report negative information from Wireless companies and Utilities? This is a one way avenue that is a direct Economical impact to the wealth of our country. This is a bias practice. If these companies want to report negative on our Financial Credit system then they must report good credit to these companies as well. This process is unfair and bias towards the wealth of Banks and APR that sucks American 's Wealth which Politicians and their Lobbyist get rich from. Enforcing a fair Credit system is Key and allowing these companies to biasly report is a CORPORATE CRIME against AMERICA!
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

IN XXXX XXXX I MAILED MY MORTGAGE PAYMENT TO XXXX XXXX. SOON AFTER, THEY CALLED ME TO REPORT THAT THEY NEVER RECEIVED THE CHECK, SO I MAILED ANOTHER CHECK. THEY APPLIED THIS CHECK, AND SUBSEQUENT PAYMENTS TO THE CURRENT MONTH, RATHER THAN THE XXXX PAYMENT, MAKING IT APPEAR THAT I HAD NEVER PAID IN XXXX AND DID NOT CATCH UP UNTIL XXXX. MY CREDIT REPORT REFLECTS THAT XXXX, XXXX, XXXX XXXX WERE PAID 30-59 DAYS LATE DESPITE AN ADDTL PAYMENT TO COVER THE MISSING CHECK. IN XXXX XXXX, XXXX XXXX LOCATED THE " MISSING : CHECK FROM 12 MONTHS EARLIER AND ATTEMPTED TO COLLECT PAYMENT ON THIS CHECK. THE BANK ACCOUNT IT HAD BEEN WRITTEN FROM WAS NO LONGER MY PRIMARY CHECKING ACCOUNT, BUT WAS STILL OPEN WITH A SMALL BALANCE. XXXX XXXX 'S POLICY IS THAT THEY MAKE THREE ATTEMPTS TO COLLECT PAYMENT, EACH TIME RESULTING IN AN OVERDRAFT FEE IMPOSED BY MY BANK. I HAD A CONFERENCE CALL WITH THE BANK AND XXXX XXXX IN AN EFFORT TO STOP THEM FROM MAKING THE ATTEMPTS. NEITHER INSTITUTION WOULD AGREE TO STOP THIS PROCESS, RESULTING IN SEVERAL HUNDRED DOLLARS OF OVERDRAFT FEES, AS WELL AS FEES IMPOSED EVERY THREE DAYS WITH A NEGATIVE BALANCE. MY BANK HAS A " POLICY '' OF NOT CASHING CHECKS AFTER 60 DAYS, BUT DID NOT ADHERE TO THIS POLICY IN THIS SITUATION. TO COVER THESE FEES, THE BANK WITHDREW THE FUNDS FROM MY SAVINGS ACCOUNT WITHOUT MY KNOWLEDGE. I HAVE TRIED TO WORK WITH XXXX XXXX TO CORRECT THE LATE PAYMENT STATUS ON MY CREDIT REPORT, THEY TELL ME THAT THEY CAN NOT REMOVE ANYTHING AS THE PAYMENTS WERE IN FACT LATE. THE PAYMENT WAS MAILED ON TIME, THEY OBVIOUSLY RECEIVED THE CHECK AND HELD IT FOR 12 MONTHS. I SUSPECT THAT THEY FOUND IT DURING AN END OF YEAR AUDIT. I ALSO SUSPECT THAT DURING THIS THREE MONTH PERIOD, XXXX XXXX WAS MAKING AN ATTEMPT TO HAVE ME RESTRUCTURE MY MORTGAGE. THEY BEGAN SENDING ME " HAVING TROUBLE PAYING YOUR MORTGAGE '' DOCUMENTS, OFFERING NEW LOAN TERMS. XXXX XXXX WAS CALLING ME TO ASK IF I COULD NOT AFFORD MY MORTGAGE PAYMENTS IN AN EFFORT TO HAVE ME REFINANCE UNDER THE GOVERENMENT PROGRAMS FOR HOMEOWNERS STRUGGLING TO PAY THEIR MORTGAGES. THEY CONTINUE TO PLACE BLAME ON THE USPS, TELLING ME THAT THE MAILMAN MUSTVE BEEN HOLDING MY MAILED PAYMENT. THEY HAVE NO EXPLANATION FOR WHY IT WAS LOCATED 12 MONTHS LATER IN THEIR POSSESSION, WITH THE DATE OF XXXX XXXX. SINCE XXXX XXXX HAS DECLINED TO CORRECT MY CREDIT REPORT, I HAVE DISPUTED THE INFORMATION, WHICH HAS RESULTED IN A SIGNIFICANT DROP IN MY CREDIT SCORE, AS WELL AS THE ENTIRE ACCOUNT BEING REMOVED FROM MY CREDIT REPORT. I FILED A REPORT WITH MY STATE ATTY GENERAL, WITH THE OUTCOME BEING THAT XXXX XXXX RAISED MY INTEREST RATE. I HAVE NOT BEEN ABLE TO COME TO ANY RESOLUTION WORKING WITH XXXX XXXX.