davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-04
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. (TX)

reported the ftc violations to FTC and now CFPB please get this corrected accounts : {$420.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX  Opened XX/XX/XXXX + {$50.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - {$47.00} Original creditor : XXXX XXXX  XXXX  XXXX  XXXX XXXX   XX/XX/XXXX Creditor Name XXXX XXXX XXXX  XXXX Account Type Secured Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$110.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status Creditor Name ATTORNEY GENERAL-XXXX Account Type XXXX XXXX   Account Status Open Opened Date -- Closed Date -- Limit -- Term -- Monthly Payment {$370.00} Responsibility Individual Account. 
Balance {$25000.00} Highest Balance -- Payment Status 120-149 Days Late XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX XX/XX/XXXXClosed Date -- Limit -- Term 65 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$10000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$10000.00} Times 30/60/90 Days Late 14/1/1 Remarks Charged off account un XXXX, XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 64 Months Monthly Payment -- Responsibility Joint Account Balance {$0.00} Highest Balance -- Payment Status Collection/Charge- XX/XX/XXXX Collection Agency XXXX XXXX  XXXX  Original Creditor XXXX  XXXX  XXXX  XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$420.00} High Balance {$420.00} Remarks Medical XXXX XXXX  XXXX  {$50.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX  XXXX  Original Creditor XXXX   XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$50.00} High Balance {$50.00} Remarks Medical XXXX XXXX XXXX {$47.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX  XXXX  XXXX  XXXX  XXXX PA Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$47.00} High Balance {$47.00} Remarks Medical
Consumer complaint received 2022-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc. (FL)

I am writing today because my identity was stolen and used not once but twice. I received notice from a company called FIRST CREDIT SERVICES claiming I owe {$700.00} XXXX. I immediately reached out to FIRST CREDIT SERVICES in XX/XX/2022 and explained that I did not open an account with them or their affiliates and that there was some mistake. FIRST CREDIT SERVICES requested I send a fraud dispute letter in writing and a specialist would contact me regarding the unauthorized accounts. As of today FIRST CREDIT SERVICES has not responded to my fraud request or given me any helpful information to help me. This companies have ignored me and my rights and reported this account to the credit bureaus. I have reached Out to the credit bureaus and they are holding an investigation. I have also filed a police report with my local authorities regarding this matter.
Consumer complaint received 2020-07-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (TN)

On XX/XX/2020 at XXXX XXXX I made a money transfer of {$400.00} via the Western Union to a family member in another country. After I sent it, my family member called to tell me he was " not allowed to receive the money because the receiver name on the transaction didn't match his government identification '', so, I thought, " I'll fix it, no worries, let me call the Western Union and ask to change the receiver name ''. So I called and was transferred a million times only to be told " there's a hold on the money '' by the " Compliance Team ''. So, I went in person to the place where I made the transfer and the man at the counter had the same issue with the office over the phone for A WHOLE HOUR only to be told at the very end " the sender needs to call and cancel the transaction to get a refund, we can't change the name ''. So, I'm currently calling them to cancel the transaction and am being ignored on hold. I want my money back, this is some kind of a scam. I called the company several times over this issue and nothing has been fixed. HELP ME. This was my grandmother 's funeral money, where does Western Union get off eating funeral money??? Someone fix it.
Consumer complaint received 2017-03-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (DE)

On XX/XX/XXXX, I submitted a mortgage modification request to XXXX Loan # XXXX. On XX/XX/XXXX, I received a letter from Select Portfolio Servicing notifying me of a loan servicing transfer to their company, Loan # XXXX, to be effective XX/XX/XXXX. I continued to work with Select Portfolio Servicing on the modification request and, today, XX/XX/XXXX, I called to check on the status and was asked to resubmit documents that I had submitted numerous times already. I simply can not believe that this process is intended to take a year to complete and I only hope that there is an outlet to investigate whether this is a fraudulent practice while my credit score continues to be demolished in the interim.
Consumer complaint received 2022-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I've been a victim of identity theft and I'm suffering from punitive damages. I've mailed letters to all three bureaus XXXX, XXXX and Transunion and the companies but and still haven't been removed. All the accounts listed are fraudulent and need to be removed! XXXX XXXX XXXX  {$25000.00} XXXX XXXX XXXX XXXX {$26000.00} FIRST TECH FCU {$33000.00} XXXX XXXX XXXX XXXX {$44000.00} XXXX XXXX XXXX XXXX {$29000.00}
Consumer complaint received 2021-11-02
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. (NY)

1 ) .XXXX XXXX XXXX Account XXXX Balance : {$1900.00} Most be deleted 2 ) .XXXX XXXX XXXX  XXXX Account XXXX Balance : {$9100.00} Most be deleted TransUnion is reporting these companies listed above on my credit report for almost 10 years now. I do not know these companies nor have I ever had any businesses with these companies. These companies do not have any contract with my signature or proof that they have any account on file with my name on it. TransUnion most Delete these accounts off my credit report because these accounts have been on my credit report for over 10 years. By law, credit bureaus are only allowed to list negative items for a certain amount of time. These accounts most be DELETED NOW.
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

My problem exist with Capital One credit card division. I have been a customer for seven years. When I applied for the card it was pre paid. During my initial signing of the agreement, it stated that if I kept the card in good standing my card would be changed into an unsecured credit card. During the sevens years of my card, I have never been late, I pay my balance almost every month. I rarely have carried a balance.I have called on 10 different occasions to request for a change. I never got any corespondance as to why I they will not change credit card status. They are holding XXXX. I have requested that it be switched. The bank says I was under review. And when my time comes they will switch over. I can not understand if I have followed all the guidelines and did what they asked, why will they not switch the card to an unsecured card. My credit score has been very good the entire period of the card after establishing credit with them.The last conversation I had with the representative, I asked who should I send a complaint to she said she would write a complaint and send it in. I received a copy of an agreement that said nothing about a pre paid card. I do not want others to be a victim. I can only imagine what they do to customers in a bad situation with them, if they are treating me like this. If I close the account my credit will be effected negatively. If I leave it open I will not receive my XXXX dollars.My request is that switch me to an unsecured card.
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

THE DISPUTED BANKRUPTICIES HAS BEEN DISCHARGED IN THE COURT OF LAW AND NO CREDITORS ARE ALLOWED TO REPORT DISCHARGE CASES. THOSE BANKRUPTICES HAVE BEEN HURTING MY CREDIT AND HAS PREVENTED ME FROM ACQUIRING NEW CREDIT, IT HAS BEEN TOUGH BECAUSE THERES SO MUCH THAT I AM TRYING TO ACCOMPLISH FOR MY BUSINESS AND DUE TO THE NEGATIVE ITEMS AND INACCURATE REPORTINGS IT HAS HOLD ME BACK FROM DOING THAT. PLEASE INVESTIGATE THIS AND HAVE ALL THE DISPUTED ITEMS REMOVE. PLEASE SEE THE ATTACHED PAPERWORK FOR THE DISCHARGE INFORMATION.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am in the process of trying to find a rental as my lease ends on Monday, XX/XX/XXXX. The issue though is that I am a victim of being wrongfully evicted. I have been dealing with this consistently now since XX/XX/XXXX with absolutely no resolve. As a result, it has made it nearly impossible for me to find anyone to rent to me. I ended up finding a potential landlord a couple days ago. I can only rent from private landlords. I explained everything. Was very transparent. Provided proof of documents, etc. as I was not at fault. I still had to fill out a background tenant screening report through XXXX. Its a free management program to help keep landlords organized basically. It also affords him the ability to run credit, sign leases, accept rent and all that through the app. I applied last night. Went to check this morning to see if there were any changes to my application. In doing so I realized that I had the option to view the credit report that was pulled. It is through TransUnion. I monitor my credit like a hawk on XXXX so Im aware of my score and everything. I never thought about cross referencing to double check for inaccuracies. With that being said, my XXXX XXXX on TransUnion is XXXX points less than what it is on both XXXX and XXXX. It claims that I have poor/bad credit which I do not. It is considered fair and is 50points from being good. Furthermore, they have allowed the first property management company/landlord to take it upon themselves to furnish a money judgment on the first eviction I faced. They have been furnishing this since XX/XX/XXXX. They claim they I owe {$6300.00} when there is a {$0.00} next to where it says judgement on the court documents. I have disputed this numerous times with XXXX with no resolve as they claim it is verified. When all they do is send the letter that they typed up stating that I owe that balance which does not prove anything. I have submitted proof of the court documents. Which is literally the only option because i do not owe them anything. So now the landlord is stalling and being hesitant to approve my application and afford me the ability to rent after reviewing this and whatever else was provided in regards to my tenancies. I have never reviewed my tenant screening report so I have no clue what has been furnished on that end. I can only imagine as people submit whatever they want and dont have to show proof that it actually belongs to me. These evictions have honestly ruined my life and now I have to deal with my credit coming back as bad. Its just the last thing I need to deal with. I have like 5 days left until I have to move. This landlord is my only hope as there are literally no private landlords where I live.
Consumer complaint received 2020-07-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSI Enterprises, Inc. (NV)

RSI Enterprises - XXXX Account number : XXXX Collection opened - XX/XX/2018 Amount - {$370.00} This debt is not mine. Ive contacted this agency numerous times and provided them all my information but they still fail to remove this report from my credit.
Consumer complaint received 2024-04-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICA FIRST FEDERAL CREDIT UNION (AZ)

I recently purchased a vehicle from XXXX XXXX XXXX in Nevada. During the transaction, XXXX XXXX assured me that the vehicle 's title was free and clear of any liens or loans associated with it. However, upon registering the vehicle in XXXX Arizona, I discovered that it still bears a lien stamp from America First Federal Credit Union on the back of the title. 

I contacted America First Credit Union regarding the matter, and they affirmed that there are no outstanding liens or loans associated with the vehicle. As such, I formally requestd a lien release for the vehicle in question. 

I do not have an account with thier bank, so they would not help me. I explained that I have the right to request a lien release when there are no outstanding obligations associated with the vehicle and kindly requested their assistance in resolving this discrepancy promptly. 

I have all copies of all relevant documents, including the vehicle title, a notarized signed bill of sale, and a cashiers check stub with XXXX XXXX name on it for payment of the vehicle as well as the AZ XXXX receipt. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX VIN : XXXX YEAR : XXXX  MAKE : XXXX MODEL XXXX XXXX X TITLE NUMBER : XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Diversified Adjustment Service, Inc. (AZ)

I have been working with the credit bureaus to remove DIVERSIFIED ADJ SVC, The account doesn't belong to me, I have no idea what it's in relation to as it says it's XXXX but I've never had XXXX account or done business with them in any way shape or form. I've waited a long time for a response and I'm tired of the runaround. I'm hoping you can help me get this removed as it has to be an error. 

Please advise what I can do to assist in this process. 

Thank you!
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XX/XX/24 XXXX PM, called Capital One re : {$12.00} interest charge for XXXX capital one credit card statement ; Last invoice {$330.00} was paid in full on XX/XX/24. Spoke to " XXXX '' and was transferred to XXXX " XXXX '', who stated that Capital One 's system would not allow override of interest. XXXX stated interest computation was backdated XXXX months. All invoices have been paid in full by payment due dates. 
I am requesting that the interest charge to be waived.
Consumer complaint received 2020-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (AZ)

On XX/XX/2020 I attempted to log in to my online account with Discover Card only to find out that my access has been restricted due to a routine identity verification check. I was told I would receive an email with instructions from an individual at Discover with instructions to submit to the IRS in order to verify my identity. I was also advised that my charging ability would be restricted or suspended until the IRS responds, which i was told could take several days to weeks due to the pandemic. These adverse actions were taken by Discover despite not sending a notification in advance to make me aware. 

As far as I'm concerned this action is a violation of my consumer rights.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

It has been almost 2 months since I originally disputed information on my credit report. I have not received notice of investigation, notice of dispute, or any update to my credit report. Information is inaccurate and needs to be removed from my report. Representatives tell me they will get to my request but nothing happens. This isa direc violation of my consumer rights.
Consumer complaint received 2022-08-13
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. (NC)

On XX/XX/22 I applied for XXXX XXXX & was approved my score with Equifax was XXXX & XXXX with XXXX a hard inquiry drop your score between XXXX. My XXXX went do XXXX and my Equifax went down XXXX. This makes NO SENSE, the customer service reps dont care because its not their credit & want to tell me how to better my credit by paying things on time which has NOTHING to do with why a hard inquiry has dropped both my scores over XXXX. Im very aggravated and annoyed because now Equifax is saying that is correct and verifiable that it was suppose to go down that much. I did my proper research and spoke with financial/credit advisor before I even applied. This is EXTREMELY upsetting because how in the world does it drops so much over an hard inquiry then it has to stay for XXXX?? That is crazy. I need more information in regards of this.
Consumer complaint received 2024-01-17
Product: Credit reporting 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)

I am filing a formal complaint against XXXX XXXX XXXX for egregious violations of the Fair Credit Reporting Act ( FCRA ), Code of Federal Regulations ( CFR ), and the Privacy Act of 1974. These violations pertain to the unauthorized disclosure of my nonpublic personal information to non-affiliated third parties without proper notice or consent, a clear breach of privacy regulations outlined in the aforementioned laws. Congressional Findings and Compliance Obligations : 15 U.S. Code 1681 emphasizes the critical importance of fair and accurate credit reporting for the efficiency of the banking system. It mandates fair evaluation of consumer information by reporting agencies and stresses the significance of consumer privacy protection. Consumer reporting agencies are legally obligated under 15 U.S. Code 1681e to implement procedures ensuring the highest accuracy of consumer reports. XXXX XXXX XXXX disclosure of inaccurate information violates these obligations and breaches statutory provisions. Details of Violations : 1. **Disclosure of Nonpublic Personal Information : ** XXXX XXXX XXXX without obtaining requisite consent or providing proper notice, disclosed my personal information to non-affiliated third parties namely EXPERIAN and XXXX This action directly violates the Privacy Act of 1974 ( 5 U.S. Code 552a ) and the FCRA ( 15 U.S. Code 6802 ). 2. **Failure to Provide Opt-Out Opportunity : ** I was not offered the opportunity to opt out of the disclosure of my nonpublic personal information, as mandated by the FCRA 15 U.S. Code 6802 ( b ), exacerbating the violation. 3. **Continued Right to Opt Out : ** As per 16 CFR 313.7 ( f ), I reserve the right to opt out at any time, a privilege denied to me by XXXX XXXX XXXX actions. 4. **Exclusion of Transaction and Experience Information : ** XXXX XXXX XXXX included transaction history within reported information, violating the exclusionary provision of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The unauthorized disclosure of my personal information by XXXX XXXX XXXX has caused significant financial and emotional distress, disrupting my life. Enclosed are supporting documents detailing the violations and their impact on my financial and emotional well-being. I appreciate your attention to this matter and await your prompt action.
Consumer complaint received 2024-04-10
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)

XXXX XXXX XXXX XXXX provided me with documentation assuring me that they have never reported me late. I provided this information to the credit bureau trans Union, And they just updated it to a different month showing that I was late that is unacceptable. They are violating 15 U.S. CODE 1681 ( a ) By reporting in accurate information.
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: Experian Information Solutions Inc. (CT)

I have told experian that the XXXX XXXX XXXX account, XXXX, theyre reporting is incorrect. According to the FCRA all inaccurate information must be removed and I want this removed as it is in violation of my rights! They are willingly non compliant