davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-19
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)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX Balance : {$18000.00} ; XXXX Original Creditor : XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXX Balance : {$310.00} ; XXXX  XXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

So a credit repair agency has been sending out letters on my behalf to these credit agencies and in XX/XX/2021 my score went down again 59 points all because those letters were sent out and these students loans are so old I dont know why they are still on credit report after I complained about them to this company and Im paying a credit repair agency. Why is it so hard to remove student loans over 8 to 10 years old. Why is my credit getting damaged so bad when all the credit repair agency did was send out letters? And just 2 days ago my score went down -48 points because I missed only my first payment on my credit builder card. I made all my payments on time with that card and the one time I didnt -48 points and I owe only {$67.00} on that card! That doesnt make any sense too me Im so XXXX angry!! Ive complained about this in XXXX to this complaint agency and now I have to do it again. My credit score was at XXXX before all of this now its under XXXX.
Consumer complaint received 2022-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (GA)

i signed up with a state agency to get help with paying my mortgage during this pandemic time and it has been a hassle for the past 4 months to get my mortgage company to sign the agreement form and send it back in. Now after months of no coorporation the agency has declined my request due to the mortgage company not perticipaiting in the program
Consumer complaint received 2021-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (CA)

Received a letter in the mail on XX/XX/2021 from American Coradius International LLC claiming that XXXX has sent my account to collection in the amount {$9100.00}. I have once opened a XXXX credit account in my life, and my one and only XXXX account is in good standing. I have no idea how this outrageous amount of money was tied to my name. Seems like a feeble attempt to extort money out of hard working people. I do not have any collections shown on any of my credit reports, nor do I have any debts shown to XXXX on any of my credit reports.
Consumer complaint received 2018-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESTERN UNION COMPANY, THE (PA)

My mortgage company sold to a new loan company in XX/XX/XXXX. I called and also mailed XXXX XXXX my new mortgage Information. XXXX XXXX never updated the my loan information like I told them. In XX/XX/XXXX I received my XX/XX/XXXX loan payment back from the old company saying they can no longer accept my payment. I contacted XXXX XXXX  to send thr XX/XX/XXXX payment out to the new company and it is now XX/XX/XXXX and it still has not gone out. I have contacted them several times and they keep saying they are sending it. As of today I am 60 days delinquent on my mortgage payment and they are not correcting the situtation. Can you please help
Consumer complaint received 2021-03-03
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. (FL)

I've contacted XXXX and was advised this account was opened in my name in XXXX. Not only that this account was fraud but the credit bureaus is reporting wrong opened date. I will sue the credit bureaus if they don't remove this account
Consumer complaint received 2018-03-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION (NJ)

Navy Federal Credit Union sent settlement letter dated XX/XX/XXXX. Offered settlement amount for debt owed. Full defaulted credit card debt {$12000.00}. They offered upon receipt of letter to settle account in full for {$3600.00}. I had full intention of doing so. They took the full {$12000.00} out on XX/XX/XXXX They did not honor their settlement agreement. I had withdrawn my 401k for a full amount of {$24000.00} and the day following without notifying me. I am in default on my home. I am a service connected XXXX  veteran deemed homebound by the VA.

I called today, and they said the funds will not be returned to my account. I was also told after speaking to the same person on the phone. that I would be able to get a credit card again trhough the company to help fix my current situation.

I called to sign up for a credit card immediately following and was denied.
Consumer complaint received 2022-05-02
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. (VA)

Account : XXXX XXXX The credit bureaus stated my count was properly investigated but how is that possible if the open date is in accurate the dates last active is in accurate and that last report it is not accurate this grounds for Removal they also violated my rights 15USC 1681 section 602 A. States I have a right of privacy 15 USC 1681 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 2021-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NJ)

I Would like to make a complaint against XXXX XXXX and EOS CCA Because I never had this service XXXX said on XX/XX/2021 I owe {$2300.00} this is not true and I have tried to reach out to XXXX for over the last year I spoke to a customer service lady and she could not connect me too the right person to speak to about this matter although customer service said that this account Had Been sent to collection And no one in that office there could help me I tried to explain that I never had XXXX and would like to resolve this matter but I was told they could not help me.
Consumer complaint received 2019-03-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

I have been a customer of Freedom Mortgage since XX/XX/XXXX and for the entire almost 5 years have requested, demanded, begged and pleaded for the company to acknowledge the ADA requirements to make a reasonable accommodation for my communication XXXX. I was born with XXXX XXXX XXXX which is a genetic, progressive XXXX XXXX which has rendered me legally XXXX. 
Although several authorized representatives have told me that they can email me documents I have only been granted one single bulk dump via email. This one and only time that I have been able to get correspondence emailed came after I spoke with XXXX XXXX of the executive branch at Freedom Mortgage. On a recorded line XXXX. XXXX told me ( in XX/XX/XXXX ) that she could not only setup my email correspondence but she sent me an email message verifying that she was going to do this. It was not until XX/XX/XXXX when I spoke with another employee about an entirely different situation that I was shown that the company is fully capable of emailing me correspondence in compliance with the ADA. 
I was also recently made aware that this is a violation of the Truth In Lending At ( TILA ) as well. 
Today, XX/XX/XXXX I was told by an authorized representative of Freedom Mortgage that he spoke with an executive on my behalf and that the person he spoke with said that Freedom Mortgage is not going to email me anything just because I want them to despite the fact that they are in violation of the ADA and consistently discriminating against me.
Consumer complaint received 2022-11-19
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. (CA)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax / XXXX / XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of these listed accounts below. I believe it was reported in error. 
XXXX XXXX XXXX Balance : {$2900.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2018-03-07
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: Fidelity National Information Services, Inc. (FNIS) (FL)

there should be a catagory for ''CREDIT REPORTING CRIMES AND FRAUD '' this would explain chexsystems making bad reports on my good name WITHOUT HAVING ANY TANGIBLE PROOF OF ANYTHING, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND they send me a letter i have a ''consumer file '' how did that XXXX  happen? I am not thier comsumer, can i see evidence that im a consumer of chexsystems? SHOW IT TO ME, AND WHO THE XXXX MADE ME A CONSUMER NUMBER WITHOUT MY CONSENT? AND THIS IS A CRIME FOR SURE, LET ME GET THIS STRAIGHT FOR THE UMTEENTH TIME, IM NOT YOUR CONSUMER, IM NOT YOUR MEMBER, IM NOT YOUR CUSTOMER, AND YOU CAN NOT HAVE MY SOCIAL SECURITY ACCOUNT ACCESS, ITS A TRUST ESTATE ACCOUNT AND I FORBID XXXX   TO ACCESS IT, AND NO IM NOT GOING TO VISIT YOUR WEBSITE BECAUSE I DO NOT HAVE A CONTRACT WITH YOU CRIMINALS, AND IM NOT GOING TO CALL YOUR XXXX XXXX ON THE PHONE WHICH ASK ME FOR PERSONAL INFORMATION WITCH IS NONE OF YOUR XXXX  BISNESS, I WANT TO KNOW ALL WHO YOU ARE REPORTING FOR AND I WANT FULL DISCLOSURE OF ALL REPORTS WHICH YOU HAVE FAILED TO DO OVER THE PAST YEARS AND COMMITTED MORE FRAUD AND CRIMES
Consumer complaint received 2022-01-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (LA)

I have been banking with Ally for more than 4 years now ( savings and checking ) I use them primarily for my savings account, and in XXXX starting to create my emergency fund. Till about XX/XX/2021, I had between XXXX and XXXX inside ( I don't have the exact amount as I have not been able to access my account for over 30 days ). 

I had traveled and received an email saying my account had been locked on XX/XX/XXXX, and to contact the XXXX department. On the XXXX and XXXX I had called, and never got through to the XXXX department. On the XXXX I got through, and responded to the email saying I had spoken to someone ( rude ) about my account, and that I was told an investigation was underway. 

Since that day, I have called Ally bank almost 2-3 times per week to find out about my account. Every time I called in XXXX, I was told a different story- we can't tell you why your account is locked ( nor did they tell me on the XXXX, after spending over 15 minutes answering all their questions ) ; there is a 30 day investigation period ; there is no deadline for an investigation ; an investigator will call you. 
I called again last week, and was told my case will be addressed shortly. 

This week ( Tuesday I believe, the XXXX ), I called again and said I had reached the extent of my patience, it had been over 30 days and had not had a resolution to my account being frozen. I spoke to another person yet again, and she said she is contacting an investigator, and they asked when would be a good time to be called back, to which I responded ASAP as I need access to my funds. 

It is now XXXX  morning, and I have not received any phone call. 

I still have no access to my funds, nor any explanation as to why or when it will be resolved.
Consumer complaint received 2019-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (IL)

XXXX XXXX XXXX sold the debt to Midland credit management, there was a settlement amount for {$470.00} the account was satisfied on XX/XX/2017 Midland credit management account number XXXX
Consumer complaint received 2019-03-19
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 (IL)

I was assessed an Annual Fee on my Capital One Venture card on XX/XX/XXXX, and the day after being assessed the fee, I called Capital One on XX/XX/XXXXto see if the fee could be reversed. I was informed the fee could not be reversed, but that I could switch to a Quicksilver card which had no annual fee. I was led to believe this would reverse the annual fee I was charged, as this new product did not have an annual fee and in the disclosures read to me over the phone there was no mention that annual fees already assessed would not be refunded. Note : they will refund them if you close the account, but that harms consumers as it can negatively impact one 's credit rating. I feel the lack of disclosure is unfair and deceptive, and the policy to only reverse an annual fee if the account is closed is abusive, as it can harm a consumer. Additionally, they wouldn't switch me back to the fee product, so effectively I paid {$95.00} for a card that doesn't have an annual fee.
Consumer complaint received 2022-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 


CAPITAL ONE Bal. {$0.00} Acct # : XXXX
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I looked up my credit report and seen an alias name under mine that I had never used. It was my mother. The last name XXXX is her last married name I dont even know how to spell it right. When I was a teenager my mother had asked me for my social security number and I gave it to her because she was my mom and wanted to claim me on taxes because I was supposed to be living with her but we didnt work out so I never knew she used my information. I never lived in Ohio the longest I was there was a month and a half. I want to fix it because I have no clue what she did?? I do know she applied for bankruptcy when I was there that she still was going through that.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel these accounts are affecting my credit report. 
Here are the items I am asking you to verify as accurate : 1. XXXX XXXX account ending in XXXX correct balance is {$150.00} XXXX. XXXX  XXXX account ending in XXXX correct balance is {$52.00} XXXX. XXXX XXXX account ending in XXXX correct balance is {$130.00} XXXX. XXXX XXXX account ending in XXXX correct balance is {$22.00} XXXX. XXXX XXXX account ending in XXXX correct balance is {$230.00} XXXX. XXXX XXXX account ending in XXXX correct balance is {$320.00} XXXX. XXXX account ending in XXXX correct balance is {$520.00} XXXX. XXXX account ending in XXXX correct balance is {$54.00} XXXX. XXXX account ending in XXXX correct balance is {$90.00} XXXX. XXXX XXXX account ending in XXXX correct balance is {$200.00} XXXX. XXXX XXXX account ending in XXXX correct balance is {$420.00} XXXX. XXXX XXXX account ending in XXXX correct balance is {$270.00} XXXX XXXX  XXXX account ending in XXXX correct balance is {$72.00} XXXX. XXXX XXXX account ending in XXXX correct balance is {$41.00} Please check the account balance and correct information on my credit report. As this information on my credit is causing a big impact on my file.
Consumer complaint received 2022-05-02
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. (GA)

On the XXXX of XX/XX/2022, I sent a letter requesting investigation and removal of several accounts reporting on my credit that have incorrect opening dates, last payment dates and missing full account numbers. These accounts have not been removed OR updated. They still remain on my credit report, negatively affecting my credit file. It has been over 60 days and I have received no response or updates from the credit reporting agency
Consumer complaint received 2020-07-15
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One Sent me a Platnum Visa pre-approved invitation along with a specific approval number with an allotted amount of time to respond. 

On XX/XX/XXXX I applied using Their own CapitalOne platform for said card and was was denied that card based on a lie. First lie that was told to me was my score was too low and it was not low. Second lie was, they did not have my accurate information. That can not be true because I have a MasterCard with them since XX/XX/XXXX. 

Because of that direct denial my scored dropped 14 points and dropped my scored with XXXX, XXXX  and XXXX. 

I called and mail them correspondence to fix the issue but all I've received from CapitalOne are lies and misleading information. 

I spoke with someone name XXXX ( not sure of the spelling of her name ) on XX/XX/XXXX to fix the pre approved issue and remove the hard inquire from all there bureau and to get a credit increase with my card on file with Capital One, but not only did she lied and try to confuse me. 

She told me that I can not get a credit increase because I'm not being proactive and requesting a credit increase. That is a lie because I've been doing so for almost a year and continue to be denied. I asked her what am I doing that does not qualify me to get what I am asking for and she had no answer for me because I am doing everything right. I make my payments on time and my debt to ratio is exactly where I should be to qualify me for the card I applied for and the credit increased I keep asking for. She advised me to apply for a credit increase and of course I was DENIED! 

Here again, is another company that offer FALSE services to improve my credit and once again instead of doing what is being advertised and offer specifically to me. They did the opposite and destroy my credit instead. 

I've done everything they ask of me but they are not doing what is right and what they are advertising they will do.
Consumer complaint received 2021-03-03
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. (AL)

Attached below are additional documents which shows the letters I will be mailing out to collectors because they failed to validate my debt within a 30 day frame. I mailed letters to them on XX/XX/XXXX and have yet to hear anything regarding validation.
Consumer complaint received 2022-11-19
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX  XXXX XXXX Balance : {$280.00} ; XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.