davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2021 I sent a letter with regard to I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof
Consumer complaint received 2020-10-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (FL)

I was a XXXX customer. On XX/XX/2019, I returned to XXXX all its equipment. The same day I returned the equipment, I took another internet service with XXXX XXXX XXXX. XXXX received the equipment on XX/XX/XXXX, and I also called them to let them know that I returned the equipment. In XXXX, XXXX sent a bill mentioning XXXX past due. As a result, I called them to remind them that I haven't used XXXX for almost two months, and why they keep on sending bill to me. I also sent to them the return receipt along a formal correspondence in which I explained that I don't have in my possession any XXXX equipment. Surprisingly, in XXXX XXXX sent another bill with XXXX and XXXX past due. I did the same thing by calling them to clarify the case. In XXXX, I received a correspondence from XXXX mentioning that I have been disconnected for non payment, and I have been charged {$330.00}. All I have tried was in vain. Finally XXXX has sent the case to credit collectors. At least, three credits collectors have attempted to collect the {$330.00}. Right after I sent the proof that I returned to XXXX its equipments, they returned the case to XXXX. Now XXXX has sent the case to a fourth credit collector, which is I.C System. This is why I am writing this complaint
Consumer complaint received 2020-01-28
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: Experian Information Solutions Inc. (PA)

Experian is not investigating disputes properly and are leaving things on report without properly investigating dispute. Have disputed with them on a entry from XXXX XXXX XXXX and have not received proper investigatiin from them and they keep leaving it on report even though XXXX and themeselves are violating my rights doing so.
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The account in question in discussion is Capital one Bank Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX I was sick with XXXX I tried calling to defer the payment and could not reach anybody at Capital one. When I was well enough to work I did make the payment immediately.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.
Consumer complaint received 2022-12-15
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. (SC)

I've sent Letters to

all 3 major Credit Beaurus concerning certain accounts that are reporting on my account inaccurately. They sent me letters back stating that the accounts have been verified. I then in return sent the company Letters requesting to show their verification method. It has been 30 days and they have yet to send a letter back showing how they verified the account. Per the Consumer Laws I have a right to know how these accounts were verified and failure to disclose that information results in the Credit Beaurus removing these accounts from my credit reports.

This has ben passed the 30-day legal limit and therefore these accounts in question should be removed from my credit report immediately.
Consumer complaint received 2019-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (UT)

On XX/XX/2019 I sent Equifax ( see attached letter ) a letter requesting that the security freeze on my account be lifted for the period XX/XX/2019 through XX/XX/2019. I received a letter from Equifax, in response, dated XX/XX/2019 indicating : This letter confirms Equifax processed your request and permanently removed the security freeze on your Equifax credit report. 

Despite my clear instructions to lift the security freeze for the period XX/XX/XXXX-XX/XX/2019, Equifax incorrectly processed my request by " permanently removing my security freeze. '' Further, I have been unable to access my Equifax online account for at least a year now ( see attached screenshot ). Each time that I attempt to login the following message is displayed on screen : Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX Customer Care is available between XXXX XXXX and XXXX ( ET ), 7 days a week. 

Each time that I have contacted Equifax at the number I've been told that they are working to resolve the issue. The last time I called they told me they were " unable to verify my identity. '' Ive been told that Equifax has been having technical difficulties and that this issue would be fixed but yet it never gets fixed. 

As a result, the last written correspondence with Equifax ( which included copies of my DL, utility bills, etc ... to " verify '' my identity ) included a request to have the login information corrected. To this date, no action has been taken to correct my account.
Consumer complaint received 2022-05-03
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. (NY)

In accordance with the Fair Credit Reporting 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 


In accordance with the Fair Credit Reporting 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 


In accordance with the Fair Credit Reporting 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 


In accordance with the Fair Credit Reporting 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 


In accordance with the Fair Credit Reporting 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (PA)

XX/XX/XXXX of this year, I called the company to pay or pending balance and close my account, ask if it was all if I no longer had to follow up, they told me that neither balance was XXXX and my account was closed. On XX/XX/XXXX of this year they call me to tell me that I have an outstanding balance of XXXX dollars that expired two months ago, I paid a total of XXXX dollars for the charges, the same month I reported on credit that I had a delay in my payment, of which I was never notified so the account is supposed to be XXXX and closed.
Consumer complaint received 2020-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

On XX/XX/2020, I remitted payment to my loan servicer, Dovenmuehle Mortgage , Inc. via XXXX XXXX XX/XX/XXXX. Attached please find a ledger showing both the XXXX mortgage payment, and the XXXX mortgage payment. Thereafter on or around XX/XX/2020, I received notice that Dovenmuehle Mortgage , Inc. transferred the loan to XXXX XXXX. At the time of the transfer, I was not in default or delinquent in my mortgage loan status. 

On XX/XX/2020, I refinanced my mortgage with XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, thereby paying off the mortgage loan owed to Dovenmuehle Mortgage , Inc. and its successor in interest, XXXX XX/XX/XXXX. 

Dovenmuehle Mortgage , Inc. failed to deposit the XXXX mortgage payment. Dovenmuehle Mortgage , Inc. further failed to forward the XXXX mortgage payment to XXXX XXXX. Irrespective of the XXXX mortgage payment, both Dovenmuehle Mortgage , Inc. and XXXX XXXX  were paid-in-full as a result of the refinance on XX/XX/2020. 

On XX/XX/2020, Dovenmuehle Mortgage, Inc. caused a derogatory trade line mark to be placed upon my credit. As a result of the derogatory mark, my credit score dropped from XXXX to XXXX. 

Please note the following violations of law : 1. Dovenmuehle Mortgage , Inc. had no legal authority to report to the credit bureau on XX/XX/2020 as it was no longer the servicer of the loan, and the loan was not in default. 

2. Under Federal Law, neither Dovenmuehle Mortgage, Inc. nor XXXX XXXX  were permitted to treat any payments as late during the 60-day period following the transfer from Dovenmuehle Mortgage , Inc. to XXXX XXXX  on XX/XX/2020. See 12 CFR 1024.33 3. Dovenmuehle Mortgage , Inc. and its successor in interest, XXXX XXXX, were paid-in-full during the refinance on XX/XX/2020, and therefore the reporting to the credit bureau on XX/XX/2020 was defamatory and I suffered damages in the amount of {$130000.00}. 

Lastly, neither Dovenmuehle Mortgage, Inc. nor its successor in interest, XXXX XXXX have refunded me for the mortgage payment of {$1100.00} that is an overpayment due to the refinance. Both banks were required under federal and state law to refund the overpayment and have failed to do so. 

The collection and billing practices of both banks needs investigation. If the banks do not have sufficient policies and procedures in place to avoid reporting to the credit bureau during the 60-day loan transfer, and do not have policies in place for the transfer of mortgage payments from one servicer to the other servicer, and do not have policies in place for the refund of overpayments, the banks need to be sanctioned.
Consumer complaint received 2018-11-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (DE)

Information and balance incorrect. Too old to be on file. Every few yours the company will send paperwork and than change account open date to the current year. So the account will stay on my credit. Account over 10years old and should not be in credit report. Its against the law and collection items fall off after 7years.
Consumer complaint received 2020-10-22
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. (TX)

Transunion should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a zero dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-10-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (GA)

I originally applied for an account with Navy Federal on XXXX XXXX With my brothers access code. Because my brother is a member I could qualify as a family member. I submitted supporting documents ( driver license, passport and utility bill ). I heard nothing back. In XXXX, I called to check the status and they informed me they could not verify my identity, so I submitted a security appeal including documents such as My passport, drivers license and utility bills. I again heard no response. I called back XXXX to check the status and they said because there was no current application on file that I Have to reapply. I reapplied XXXX XXXX and then after calling back two weeks later I was told I had to submit another security appeal. I asked the rep why I would need to do that if I have already sent one before. I am submitting documents such as a passport which is the most verified document you can submit. After speaking to a rep today and a rep from the security team, in which they were very rude and told me nothing except that they have denied the application as there was nothing left to discuss. They will not give me a reason why the application was denied
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Reviewed XXXX  credit report ; Informatioin for Citizens Bank NA ( aka Citizens One Auto Finance ) inaccurately shows the account as " Legally paid in full for less than the full balance '' with the note of " Election of remedy - reported by subscriber ''. This auto loan was included in a Chapter XXXX bankruptcy filed XX/XX/XXXX and discharged XX/XX/XXXX. I never elected any payment or settlement and the other two credit bureaus accurately show the loan was discharged in the bankruptcy. On XX/XX/XXXX, I submitted a dispute through XXXX. The dispute was completed and closed however the " before '' and " after '' information are identical ( i.e., no update was made ) and the inaccurate information remains.
Consumer complaint received 2022-05-03
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. (TX)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX and XXXX Credit Bureaus 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 items that are reporting on my Credit Reports : 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 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 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 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 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 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 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 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 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 2018-11-01
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. (FL)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score.  CFPB please step up and delete this ASAP please Im trying to get a job promotion which obviously comes with a raise..XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX   XXXX ( reported duplicate on my credit report ), XXXX XXXX/XXXX XXXX, ( account reported multiple times on my credit report ) XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( account reported duplicate on my credit report ), XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX , XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identitfy theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and i XXXX have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (CA)

I was pre-approved online for 3 of US Bank 's credit cards on XX/XX/XXXX. The offer I was given is attached. US Bank is currently, as of this today XX/XX/XXXX XXXX, running a {$150.00} promotion for spending {$500.00} in 90 days. It is open to the public for anyone who applies. My pre-approval offer had this {$150.00} promotion, 0 % intro apr for purchases and balance transfers, and an advertised rate of 20.24 % APR. I applied in the branch with my personal banker. When I called US Bank 's customer service line to find out my APR, I was completely shocked. I was given an APR of 23.24 % ( 1 % away from the highest APR offered ) and I have a XXXX Fico with XXXX  ( the bureau utilized ). Not only did I receive a very high APR, I didn't have the advertised " spend {$500.00}, receive {$150.00} bonus, '' attached to my account, even though it's available publicly. I also don't have the 0 % on purchases, only 0 % for balance transfers. 

I reached out to US Bank and faxed over a request to review my credit card offer. I also mailed a letter to their Cardmember Services address and corporate headquarters. I faxed over the documentation showing the promotion is available publicly as well. They responded by mail on XX/XX/XXXX that the promotion is targeted. Apparently the representative that reviewed my request, did not even notice their own website. I've exhausted every amicable solution possible. 

While I understand it's US Bank 's discretion to only provide me a {$1500.00} credit limit ( which doesn't reflect my creditworthiness ), I really feel deceived with the terms of this credit card and the lack of promotion that was not only targeted to me, but also open publicly.
Consumer complaint received 2022-05-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The company has sent us statements exhibiting many transactions. We are not clear what they are as they use terms we do not understand. They keep calling us on a phone which we told them not to call on. When we call back they do not return the call.It is not always the same person we talk to if at all.We can not post all the statements here.