davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-02
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. (FL)

I took out a secured loan with XXXX XXXX XXXX XXXX. The duration of the loan is XXXX year. The loan would have been due for full repayment in XXXX. I made a payment on this loan ever month since I took out this loan. I recently got a notification from the credit bureaus saying that XXXX XXXX XXXX XXXX reported that I had a missed payment and this is not true and this has resulted in my credit score dropping by 35 points. I made payments on my loan ever month. The duration of the loan is for a period of 1 year. I never missed a payment on my loan with XXXX XXXX XXXX XXXX. I was told that I needed to make a payment on my loan by the XXXX of each month which I did every month and now the credit bureau is reporting that I missed a payment and that is false.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i did not get give transunion a verbal nor written consent, i did not authorize nor benefit from any of the following inquiries, Block and remove them immediately
Consumer complaint received 2021-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (TX)

Comenity Bank Zales Diamond Store - XXXX XXXX in the hospital from XX/XX/21 released XX/XX/21. The extra / exuberant interest of {$610.00} was added while I was in the hospital. As soon as I was released, I paid the Balance due and was still charged the {$610.00}. Due to my XXXX hospitalization, I am asking this bank to withdraw the {$610.00} interest charge because the Balance was immediately paid when I was released from the hospital and obviously could not have paid the balance while I was in the hospital with XXXX XXXX XXXX
Consumer complaint received 2016-01-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Today XXXX/XXXX/XXXX I found out by chance that ( Capitolone 360 ) My mortage compay paid my property finance taxes without permission. - they ( Capitolone ) told me that the XXXX informed them that I was deliquent. Since I could not speak with someone fromt he XXXX. - I had to make and inperson visist - I explained my problem and they told me that my taxes was not deliquent ( despite what they paid - {$1500.00} XXXX. I was inofrmed in order to be deliquent, I had to be 180 days in arreas, - Because of this my mortagate payment went from {$640.00} to $ XXXX starting in XXXX XXXX - I have had this account for over 7 years - I was first with XXXX - Capitiol took over the loan in XXXX - I have never had a problem - I have only received XXXX inquiry from Capitolone asking to submit proof that the taxes was being paid. in XXXX which I complied -To me this another way of predatory practices
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 inquiries that are reporting on my Credit Reports : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-10-24
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kelsting Group, Inc. (CA)

In XX/XX/2015, I received a XXXX from XXXX in XXXX, CA and was admitted to XXXX in XXXX for treatment for XXXX and XXXX. XXXX transported me to XXXX from XXXX for a XXXX. After the XXXX, XXXX had XXXX take me XXXX block to the clinic to see XXXX. They charged {$500.00}. I never got a bill from XXXX. Months later a neighbor gave me the bill from the collection company. They had the wrong address. Therefore, XXXX must have sent the bill to this address also. Now {$40.00} a month is being added to the bill. 
I followed up with XXXX and they have not gotten back to me. 
My insurance will not pay because they said they took me to a routine appointment.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

I initially contacted Experian the 3rd week of XXXX to remove dispute comments from 3 accounts on my report ( these accounts have been closed for some time ). After 3 subsequent requests, they were removed. However, about the first week of XXXX, an account which is open/current and had never been disputed or had such comments, reflected negative comments/remarks when my lender ran my report. I have contacted Experian repeatedly and have been told that they don't see any comments/remarks on their end on my report. They continue to send me 'new ' reports clearly reflecting these comments/remarks. On or about XX/XX/XXXX, I spoke with the membership department for Experian and they told me that they could see the comments but didn't have access to make changes to the report. I was transferred back to the dispute department who again told me that the comments had been removed. I requested to speak to a manager and was told that one would call me. Twice. I've yet to receive a call. This lack of resolution has delayed my refinance for almost 3 months now. In my last communication with them on XXXX, I explained that the plethora of new reports indicate an investigation date of XX/XX/XXXX though I have initiated several since that time. I indicated that maybe whatever was not updating the investigation date, may also be the reason my report isn't updated when it is printed out and sent to me by them or printed by my lender. I was told for the umpteeth time " Ma'am, it's not there. I can send you another report ''. My last call to them was XXXX in regard to a report I received pursuant to my call on XX/XX/XXXX. The comments/remarks are still there. Please see the 3 most recent attached reports clearly showing the remarks/comments ( circled ), Thank you for your assistance in this matter.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2016-04-17
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (LA)

I was contacted by XXXX on XXXX XXXX, 2016 stating I was approved for a loan in the amount of {$2000.00}. They deposited {$720.00} into my bank account. All I had to do was withdraw that amount, send the money back and they would deposit {$2000.00}. They asked for my online bank information including my security codes. After awhile I began getting suspicious. The following morning I received an email from my bank stating the check they deposited was on hold for 5 days be a use the check may not be good. When I notified them about this, they began getting very irate. I told them the funds were frozen and they kept insisting I go to Wal-Mart to get the money out. Since Thursday XXXX XXXX, my bank account is still frozen. The company states the name is ACE Cash Advance and the person 's name is XXXX XXXX.
Consumer complaint received 2015-05-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a Capitol one card. Had a balance of around $ XXXX and paid it off. Next month received bill for {$89.00}. Called company again and the csr said he will waive it. Received notice that my payment is late and they charged me another {$30.00} in fees. Called csr again and said that the previous csr did not waive anything. Told them I have never been late and I would n't have been if I was not lied to. Said they could n't help. Asked for supervisor and was put on hold for XXXX minutes and hung up after that. Called again and same issue was put on hold for XXXX minutes and all of sudden hung up on. This company is a rip off and I am getting no where with them. Please help
Consumer complaint received 2015-07-22
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I can not get these people to stop taking this money out for some insurance that would pay off the money on this card- The card companies wo n't block it and the insurance company wo n't stop taking it! I have called a number of times over the last 5 years to both and I just get the run around! Can you help me? 
Capital One XX/XX/XXXX XXXX XXXX XXXX XXXX Household Bank XX/XX/XXXX XX/XX/XXXX NUF IPP XXXX XXXX
Consumer complaint received 2016-05-26
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MO)

I have been trying to send a money transfer of {$120.00} XXXX to XXXX for the 2nd time after having to cancel the 1st time due to pick up delays. Basically, although the transaction shows as " ready for pick up '' in the online app, and Moneygram has even collected the funds from my account, my sender has been unable to pick the money twice at large banking institution ( XXXX ) affiliated with Moneygram International. The recipient is basically being told that the number most be incorrect. Then, after having to send recipient the number for pick twice to no avail, I had to called the service line and to my surprise again they needed to verify my identify apparently due to suspicious activity. At the same time, I was transferred several times from the Hold Dept. ( Rep. named XXXX ), then Online Dept. ( Rep. named XXXX ), and finally they wanted me transferred back to Hold Dept. when I decided to end the call, and file this complaint. 
The issue is that this is not the first time that I have to verify my identify, and it seems that Moneygram is not taking any steps to update their system after having re-verify my identity several times before. And, I am instead being told that this issue will persist and that they are sorry, which seems unfair to to say the least especially when we are talking a mere {$120.00} XXXX. 
Bottom-line, I know of no basis to put me or my family through this needless hassle, and basically labeled as a " bad actor '' each time even after releasing the funds, and re-verifying my identity.
Consumer complaint received 2016-05-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION (MD)

I ' am have a problem with M & T Bank, now my husband and I do not have that much money to speak of but for some reason M & T is charging us over draft us overdraft fees of {$38.00} for transactions that should come out when you make that transaction and when I check it on line it is pending, but the next time I check which sometimes is the next day or few days after we are charged these fees for overdrafts. I do my banking online and sometimes I get message stating that the on line banking will be down because of updates and every time this also happens I get every more overdrafts, we also get overdrafts on the same day that my husbands direct deposit goes in even if it is with in mins of the transaction happening. So last week XX/XX/2016 I got my XXXX check there was two hundred and some $ of overdraft fees which crossed as my check was being deposited. It seems to me it is every time we have a direct deposit or they do an update it costs us so much money and I thing this should be checked out, I did call their service department and asked them why this was happening and she said " I do n't know what you want me too do you need go in and talk to someone at your bank " will why are they called the Customer Service Department? Like I said in the beginning we do not have that much money and we come really close in my banking but it is coming to much of a pattern and I think this should be looked into.
Consumer complaint received 2016-06-22
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Collaborative Resolution Group (TX)

I received a harassing voicemail from CRG claiming that they left several voicemails ( which they did not ) about a matter they would not disclose via voicemail " per federal law '' ( which is actually not true ). They threatened to validate my home and office address unless I called them back.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Dear Equifax, I have received a copy of my consumer credit profile report. I am writing in regards to dispute the misleading information that's appearing on my Equifax consumer credit profile report.The following inquiries are unauthorized, and I ask that they be removed immediately. 

Name XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX IA XXXX XXXX XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be removed immediately from my consumer credit profile report. Please remove any information that the creditor can not verify. I understand that under FCRA 611 ( 15 U.S.C. 1681I and 15 U.S.C. Sec. 1681i ( a ), XXXX must immediately remove any misleading an/or misinformation being reported to my consumer credit report profile.Thank you for your time and consideration as well as helping with the situation, it is truly highly appreciated.
Consumer complaint received 2022-08-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX
Consumer complaint received 2021-11-03
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. (MI)

XXXX XXXX is a bank that is reporting on my consumer report with derogatory marks. I am a natural person. I am a consumer. I have proof that I sent XXXX XXXX a request for debt validation pursuant to 15 USC 1692g. I sent this out on XX/XX/XXXXst. It has been over XXXX XXXX XXXX never responded or validated the debt. This means this debt is not valid. 

TRANSUNION LLC is reporting this derogatory invalidated account on my consumer report. Pursuant to 15 USC 1681 Credit Bureaus must report with accuracy and fairness. Reporting a debt that was not validated is a violation of my consumer rights. They are reporting inaccurate information. This is also a violation of my privacy pursuant to 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2021-11-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I sent a letter to these Experian on XX/XX/2021. I mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. I have filed an FTC Identity theft report and Attorney General complaint for the disputed accounts. The 30 day mark is within a couple of days and I have not had a response. 

( PLEASE SEE ATTACHED LETTERS SENT TO EXPERIAN, FTC REPORT and ATTORNEY GENERAL COMPLAINT. )
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I. HAVING PROBLEMS WITH RENTING AN APARTMENT. Y CREDIT SCORE IS LOW DUE TOO HARD INQUIRIES HOW DO I GET THEM REMOVED SO MY CREDIT SCORE WILL GO BACK UP I REALLY DIDN'T KNOW WHEN I DID CREDIT CHECKS FOR THINGS I WOULD GET HARD INQUIRIES NOW MY CREDIT SCORE IS LOW CAN U PLEASE HELP THANKS
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

XXXX Ive been trying to u freeze my account but it keeps saying to contacts costumer service. I spoke with XXXX different people who told me different things and the problem was not solved. Im currently trying to get a car loan but it keep saying my account is frozen. I cant unfreeze myself because it keeps telling me to contact customer service. So I contact them and they say there is no freeze. Which doesnt make sense because every credit union/ loan person says there is a freeze and my end shows a freeze as well. I really need this car loan and for the account to get unfrozen as soon as possible. Please.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (VA)

Account closed in XXXX ( sync/paypal ) due to natural disaster. Fema documented. 

Report shows active until XXXX 4 years past legal recording. Shows XX/XX/XXXX day lates YEARS after account closing. 

Highly inaccurate reporting of closed account. Original lender will not provide documentation. 

Negative marks on two credit bureaus.
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (LA)

I was a victim of fraud. my account and card was hacked. I reported the claims but my fraudulent transactions disputes claim was denied. They said they investigated XX/XX/XXXX XXXX XXXX*XXXX  XXXX XXXX {$600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX Total of {$1200.00}
Consumer complaint received 2020-05-19
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$1300.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$330.00}
Consumer complaint received 2020-05-19
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: Experian Information Solutions Inc. (GA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.