davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I asked for a credit limit increase for one of my credit cards today XX/XX/20 and I was told that I was not able to get a credit increase at this time because there are several negative accounts on my credit report. I had no idea that these accounts were on my credit because none of them belong to me ; I did not open any of those accounts and I did not allow anyone to open those accounts in my name using my personal information. I still don't know who is responsible for opening these accounts without my permission but I have already filed a police report. I did not benefit anything form these accounts such as money, goods, services or any other benefit and I did not contribute to any payments made towards these accounts. I am not affiliated with any of the companies I listed and I do not have any type of written/verbal contract or agreement with them.
Consumer complaint received 2017-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

My Mortgage was transferred in XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have continually asked them when they will start reportiing to the major credit bureaus as this is affecting my credit score and they will not respond or give me a positive answer after many calls and follow up. The customer service at this company is no where near the level of XXXX XXXX XXXX and seriuosly needs help.
Consumer complaint received 2017-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

In 2015 I agreed to a debt consolidation with XXXX for my account that was in collections, to be payed current and removed from collections. Total ( {$6500.00} ) Which was broken down into 5 accounts. 

The agreement to settle the debt and remove the account from collection was to make 10 months of on time payments then the debt will be consolidated as one account and all negative accounts would be deleted.

I made my 10 months payments on time as agreed and proceeding the interim four out the five accounts were deleted and removed, then consolidated into 1 new loan. One account remained with negative remarks on my credit report.

This was an error and the one negative account continues to remain as a blemish on my credit report, that is deterring my goal of owning a home. With the loan being paid and current as agreed I 've contacted the XXXX to remove this account as they said they would but to no avail thus far. ( This account remains with {$0.00} Balance )
Consumer complaint received 2017-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In 2015 I agreed to a debt consolidation with US/DOE for my account that was in collections, to be payed current and removed from collections. Total ( {$6500.00} ) Which was broken down into 5 accounts.

The agreement to settle the debt and remove the account from collection was to make 10 months of on time payments then the debt will be consolidated as one account and all negative accounts would be deleted.

I made my 10 months payments on time as agreed and proceeding the interim four out the five accounts were deleted and removed, then consolidated into 1 new loan. One account remained with negative remarks on my credit report.

This was an error and the one negative account continues to remain as a blemish on my credit report, that is deterring my goal of owning a home. With the loan being paid and current as agreed I 've contacted the US/DOE to remove this account as they said they would but to no avail thus far. ( This account remains with {$0.00} Balance )
Consumer complaint received 2019-05-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DFC Global Corp. (CA)

I took out a predatory loan with Money Mart. They have reported negative remarks on my credit report. This company would not provide me with a payment date. They just began taking out payments on each of my paydays. I borrowed {$5000.00} and paid over {$2000.00} and now the company is saying I owe {$6.00}, XXXX. They will not give me a set payday. When I requested that they stop taking payments out of my XXXX XXXX XXXX checking account to caused me to get all of these payment fees because they gave me different stories on stopping the payments. This exacerbated the situation and caused me to miss payments. The Corporate office forced me to go to the store that is packed all the time and has long waits. I feel that this is predatory lending because you can never get ahead of the debt and they are now claiming that I owe more than I first borrowed. They impacted my credit when I am trying to purchase a home. I am veteran and homeless but they persist in rates that are meant that you never pay them off. I also found it amazing that the corporate office was not able to stop the recurring payments from debiting my bank account.
Consumer complaint received 2021-09-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (WA)

I am making a complaint about the amount of times they call to collect a this debt. I am a month behind currently and they call multiple times a day. In the last week, they have called me multiple times. XX/XX/XXXX : XXXX and twice at XXXX. XX/XX/XXXX : XXXX, XXXX, and XXXX. XX/XX/XXXX : XXXX, XXXX, and XXXX. XX/XX/XXXX : XXXX and twice at XXXX. XX/XX/XXXX : XXXX and XXXX and today, XX/XX/XXXX : So far at XXXX and XXXX. 
I have the right to not be harassed by a debt collector and at this point, they are harassing me. I understand being behind and they need to make calls but you do not need to call me multiple times a day.
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (NJ)

Consumer Financial Protection Burrow, This attatched is documentation of Experian possible fraudulent activity, please look and read below, thank you. 
The charges were not authorized by me. Experian claimed to increase my credit score by attaching my bank account to the app to show on time bill payments. I did this step and thought nothing of it. 

Today XX/XX/XXXX my husband noticed an Experian charge. I called multiple phone numbers found on the website, internet, and a number given to me by XXXX ( found associated with the charges ) and I could not get a live person or dispute my Experian charge or close my account. I was able to cancel my free membership. 

XXXX has blocked this vender from future withdrawals as well as disputed all 6 charges totaling $ XXXX do not know the outcome of the disputes yet. 

I can not get a live person to dispute this or shut my account down, on Experians end. 

Experian still has my checking account information and I fear that they will use another vender ID to continue to withdraw from my account. I have been unable to close my account as of today XX/XX/2020. 

I ask that the CFPW investigate this and I appreciate your time. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: JPMORGAN CHASE & CO. (NE)

XX/XX/2023 Chase bank told me that they had decided to close my account and that they would no longer except my direct deposits. Instead they continued to except my direct deposits and decline all of my auto bill payments. This has cause my credit score to drop, this has also cause my loan balance due in full. Still today chase is holding my refund from my closed account every time during the about the XXXX I was told that my payment was already mailed. Today XX/XX/2023 I still haven't received my payment. I expect they will say that it's loss in the mail, so that they can start this process over.
Consumer complaint received 2022-07-20
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. (TX)

So, I sent letters off on XX/XX/2022. Here are my tracking numbers XXXX, XXXX, XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is supposed to share my information with third party people. 

These are clear violations of my federally protected consumer rights
Consumer complaint received 2020-10-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2020, I initially ordered XXXX online and paid with my CapitalOne credit card. Originally the price was around {$25.00} when you buy 3, with 2 free bottles included so I entered my order. After I researched the product and found out more about it, I saw it was not the best way to lose weight as it will affect my health severely. I immediately called the company where I made the purchase and explained I wanted to cancel the order, where I received a cancellation order number as well as an email with the same cancellation number. The company stated my card would be refunded, but then I received the same charge for the amount of the purchase by my credit card company on the following bill statement. I called CapitalOne on XX/XX/XXXX to dispute the charge, and received a letter confirmation dated XX/XX/2020 that the dispute would be investigated. On the same day, the product arrived to my house, even after I canceled the product. I called the company to ask how to go about the return ; they directed verbally and via email exactly how to return the product via XXXX with a tracking number, ensuring it was received. On XX/XX/XXXX, CapitalOne sent me a letter stating the company shows a no-return per policy was received from the company to them. This made no sense to me as I spoke to XXXX people from XXXX about returning my product, receiving a cancellation email and direct steps on returning the product. CapitalOne reapplied the charge and said I still needed to pay the charges. On XX/XX/XXXX, I sent in a letter to CapitalOne because I wanted to continue the dispute as I have everything in place that I sent things back in. Since then, I started receiving more charges on my account from companies I've never heard of and don't know how to use. This should have launched an investigation regarding the charges, as they are not remotely close to anything I have been involved with. I explained I no longer wanted to have a credit card with them, cancelled my account, but I can not pay a balance for purchases I did not make.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

So, I sent letters off on XX/XX/2022. Here are my tracking numbers XXXX, XXXX, XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is supposed to share my information with third party people.

These are clear violations of my federally protected consumer rights
Consumer complaint received 2020-10-30
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. (TX)

To whom it XXXX concern : My name is XXXX XXXX XXXX and the reason I am writing is to inform you that I have been trying to get with Equifax, but am very upset for their lack of response and reporting. I have done every step they recommend on removing false accounts that are reporting and yet I'm still waiting waiting for a response. It has past 30 days multiple times and at this point, and still the issue has not been resolved. I still see that they are reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2020-11-16
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Peer Advisors, LLC (FL)

This is the third iteration of the same complaint. With complete disregard, and disrrespect for the wording of my XXXX XXXX XXXX XXXX XXXX which states '' the LENDER WAIVES THE REQUIREMENT FOR THE OWNER TO PAY FOR HAZARD INSURANCE '', where there exists a valid ASSN. CONDO MASTER POLICY, Celink has " force placed '' a hazard INSURANCE policy onto my account., My XXXX XXXX also addresses coverage for all improvements, thus negating the need to be itemized in the Master Policy as Mr XXXX XXXX suggests. Mr. XXXX 's recent response is invalid in that he cites anexpired XXXX XXXX XXXX. TheXXXX XXXX & XXXX XXXX Policy can be viewed by going to XXXX, and entering XXXX  XXXX XXXX  XXXX, XXXX [ as I explained on XX/XX/XXXX.
Consumer complaint received 2020-06-02
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. (TX)

XXXX XXXX  hit me with a 30 day late payment on my credit report after they failed to draw payment from the correct account. I have three credit cards, and had one mortgage with the company. All of the automatic payments were set to draw from my XXXX Checking account ( XXXX ) for an easy payment process. One of my credit cards was being paid manually, and I set it for automatic payments in XXXX. XXXX tried drawing the funds from a XXXX account that I had closed in XX/XX/2019, instead of my XXXX Checking account like they were supposed to, and where all of my accounts have been set up to draw from. The bank has placed blame on me for their error. I have never missed a payment, and I had a credit score above 820 before this happened. The mistake was XXXX 's, but they refuse to correct the error on my credit report.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXXXXXX {$360.00} XXXX XXXXXXXX {$720.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX {$1100.00}
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (LA)

I am a private XXXX XXXX. American Express is denying me banking access due to not having a social security number and reporting to the credit bureaus. I have given them Notice from the secretary of state showing i am a secured party. I have also given proof that I have no MLA obligations or affiliations. They told me i would have to get foreign credentials to get access to credit and banking. They securitizing my credit. They are restraining my trade. They are violating the Equal Credit Opportunity Act. I am a beneficiary of a trust and a federal consumer with guaranteed rights that are being illegally violated and causing me harm. Application refrence # XXXX
Consumer complaint received 2017-12-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Dear XXXX, This has been a very stressful Situation. Please help us. I have paid all my financial obligations on time for over 32 years. I have been a client of XXXX XXXX XXXX since XX/XX/XXXX although it was under name, XXXX XXXX and then XXXX XXXX XXXX. 

I have a HELOC which matured XX/XX/XXXX. Approximately {$120000.00} owed on HELOC. 

I also have my First Mortgage with XXXX XXXX XXXX which is approximately {$170000.00}. 

My wife and I wanted to pay our Mortgage payments but we have been going through Loan Modification since XX/XX/XXXX and were told by Capital One we could not make any Mortgage Payments. 

There are at least 3 horrible outcomes from this time consuming and frustrating Loan Modification Process. 

1. Credit ruined causing us to loose Most of our credit availability including a {$450000.00} Line of credit used to Operate our business. 

2. Nothing has been accomplished in This Loan Modification! 

3. Our loan has been sold to A Loan Servicing company called XXXX Who still has no record of our Account details. 

We have spoken to over a dozen representatives of Capital One both at the branch Level, the loan Modification Department, and the Loan Origination Department. All requested documents have been submitted to Capital One and their respective departments requesting documents. 

If there are any questions as we are sure there will be on your behalf, please call immediately at XXXX or XXXX. 

Sincerely XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

Back in XXXX, I had a secured credit card with USAA Federal Savings Bank. There was fraud on the account, which resulted in a new card issuance. USAA charged back too many accounts, which resulted in a disagreement as to debts owed. My secured limit was {$1400.00}, I closed the account and was told I owed {$850.00} dollars. I disputed it several times to no avail. 

In XXXX, I received a XXXX ( Cancellation of Debt ) from USAA for this {$850.00} dollars. USAA reported to the credit bureaus that the {$850.00} was a charge off- in XXXX. 

On my XXXX tax return, I added the XXXX to it, and of course it acted as income, for which I had to pay taxes on. 

In XXXX, XXXX, I disputed this transaction with all XXXX Credit Bureaus, I also submitted a copy of the XXXX, as proof to show that this was no-longer a Charge Off, and that in fact this is basically a Charge Back. USAA credit card department is upholding this as a current debt. 

I tried calling and speaking with USAA, but none of the associates, even their supervisors understand how a XXXX works and believe that the debt is still owed.
Consumer complaint received 2020-10-30
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. (CA)

I file disputes with Experian and their response was that it wasn't made by me. SERIOULLY!!!!! ... I fill this is a stall tactic on their part and I should not have to go thru all this just to get my results. This is taking time away from my job to have to keep filing complaints. Please help me with this matter.
Consumer complaint received 2017-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

My Mortgage was transferred in XX/XX/XXXX from XXXX XXXX XXXX to Carrignton Mortgage Services. I  have continually asked them when they will start reportiing to the major credit bureaus as this is affecting my credit score and they will not respond or give me a positive answer after many calls and follow up. The customer service at this company is no where near the level of XXXX XXXX XXXX and seriuosly needs help.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

back in may I experienced financial difficulties due to covid 19. I reached out to Capital one and they deferred two payments and told me I would not have to pay again until XXXX. But ever since XXXX i have received threatening calls, emails and when I look online it says my payment is missed etc. I was told and it is documented that late fees would be removed there would not be a past due or due amount for XXXX, XXXX, and that I would have a minimum due again in XXXX. But the website says something different. I reached out to customer support and they were not of any help. I don't need this to reflect or impact me negatively.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I accordance with Fair Credit Reporting Act XXXX Account Has violated My 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 state A customer reporting Agency Can not furnish Account Without my written is instructions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX