davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (NC)

We just closed a house with Pentagon federal credit union yesterday ( XX/XX/2022 ), we have been very frustrated with the whole process. The loan officer whom we worked with, XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) was incompetent and rude. She made a mistake locking the mortgage rate for us for only 30 days, days before the listed closing date. And then she charged us for a fee for the rate extension. In her email, she told us that we will be receiving a credit, so we don't have to pay the fee ( email attached ). However, we never received the credit. 

She sent us multiple closing disclosures with errors. The night before closing day, we still didn't see the credit being added. She said she was going to fix it in the morning of closing day, but she never did. We called her multiple times and left messages and emailed her many times, still couldn't get hold of her. She just disappeared. We decided to just go ahead with the scheduled closing in the afternoon and solve this later. After closing, she sent us an automatic " Thank You '' email, but never responded to our multiple requests to solve this problem. Normally, loan officers will walk you through the closing disclosure and explain to you the numbers, but XXXX never did anything like that. We had never been able to talk to her over the phone. She kept sending us documents with errors and we had to check it all the time. It was a very frustrating and stressful process. 

Whats worse, the loan processor who worked with XXXX has requested the same documents again and again, even 2 days before closing. We had sent them XXXX documents in total and had to go through a conference call to prove that we paid mortgage for our current house ( we literally thought it was a scam call ). My husband and I both have credit scores of XXXX, we autopay our mortgage. The level of scrutiny on their part and the lack of professionalism is unfounded in the mortgage lending industry. 

We don't know how other loan officers at PenFed are, but we've had a horrible experience. We will not use PenFed for any mortgage needs in the future.
Consumer complaint received 2021-09-08
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. (GA)

I submitted a written dispute to Transunion on XX/XX/21 via certified mail. The dispute was indeed received and signed for by them on XX/XX/21. Not only was any of the information in the letter that I disputed, removed, or updated, I never received any letter from them regarding the disputed items. It has been 6 months and the disputed items still remain on my credit file, and still to date I haven't been contacted regarding my dispute. I have attached a copy of the dispute letter that was sent, as well as the Signature of receipt to this complaint.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BOEING EMPLOYEES CREDIT UNION (WA)

On XX/XX/2021, I let my sister use my card to purchase a pre order for XXXX  cards on a website called XXXX in the amount of {$510.00} dollars, that should have been shipped out by late XXXX. However, she did not receive any items. Nothing was updated, nothing was shipped, and the company did not reply back in any form of communication. The shipping label that appeared on the link is also fake. When the link is clicked, the label is not in the system appears. I've tried emailing, twitter site, and calling multiple times, but no response at all. Reading reviews, other customers were facing the same situation I was in with this company. I tried logging back into my account to print out the receipt, but the company has deleted there official website, XXXX  account, and email so no one can get a hold of their account history order and could not contact them. This company has an actual store in XXXX, IA, but they do not pick up the phone. I tried to dispute this charge with my bank, but because its passed 60 days, the BECU  bank said they could not open a case for me in any circumstance, even though I had brought documented evidence for them being a fraudulent business and I was being scammed. They did not present me with any alternatives to approach a fraudulent case and I was turned away with no options.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of financial fraud. In XX/XX/2021, a checking account was opened under my name and social security number at a bank that I do not have any financial relationship with. I discovered this when introductory checks were sent to my home address for the account which I did not open. I took all the time-consuming recommended steps to address this issue, including filing a police report, opening an FTC identity theft report and following all instructions, obtaining an affidavit from the bank where the fraudulent account was opened, gathering documents, and going through the steps to have an extended fraud alert placed on my file with one of the credit bureaus. 

I supplied XXXX with all the requested documentation and XXXX placed an extended fraud alert on my file. Although this should be adequate to have an extended fraud alert placed on my credit reports with other credit bureaus, XXXX says they have not placed a fraud alert on my file and I have no idea if Transunion has or not. 

XXXX says they do not have a fraud alert on my file and I have been told by an XXXX representative that XXXX has no record of a fraud alert notification for me. 

I do not know if Transunion has a fraud alert on my file. I was unable to overcome Transunion 's IVR system that blocks consumers from speaking with a live person so I have been unable to inquire if Transunion has placed a fraud alert on my file or not.
Consumer complaint received 2021-09-08
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: PRESTIGE FINANCIAL SERVICES INC (IL)

I have tried in good faith to deal with this company but it is nearly impossible to do. My next step is to email the president of the company and describe how his employees are treating it's customers. To make a long story short I have paid this loan in good faith for the past 5 years. My payments are reflected as paid on time on all credit bureaus as of XX/XX/XXXX and as of recently the account has been paid off ( Thank God ) on XX/XX/XXXX. The most recent update on my credit report reflects DEROGATORY and I'm trying to figure out how can an account that has been paid on time for the past 5 years is being rated as derogatory. If this is how the Fair Credit Reporting Act is fair to consumers something definitely needs to be revamped. How can you report to a credit bureau that an account is derogatory with on time payments for the past 5 years. I want this account removed from my credit report as this is the only account reporting inaccurate and negative information. This is the worst company to ever deal with and I would like a resolution because this is totally unfair and there needs to be an investigation into this company. This company can not decide when they want to make an account derogatory and not follow all procedures which they did not in this case. This company should be fined and held accountable for their actions. If I've been treated like this I'm sure there are others.
Consumer complaint received 2021-09-08
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)

On XX/XX/2021 Experian began reporting an account titled : Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/2021 Status Collection account. {$1.00}, XXXX past due as of XX/XX/2021. 

I have no knowledge of this account. I do not live in Massachusetts. I attempted to validate this debt including the name of original creditor and any documentation they have that was used to open this account. I have received no validation of this debt yet Experian continues to report this account thereby destroying what was previously a perfect credit score. I have sought legal action but in the interim can not apply for any other means of credit due to their deceitful acts.
Consumer complaint received 2021-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2022-01-05
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. (GA)

XXXX XXXX CREDIT CARD, against my wishes fraudulently placed their credit card on my XXXX and TransUnion credit reports. This new tradeline with such a small limit adversely affected my credit score. I have demanded that XXXX XXXX close the account, which they have, however, it remains incorrectly reported as open on my credit reports.
Consumer complaint received 2021-09-08
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. (IL)

I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (OH)

This letter is served upon received. 

It has come to my attention that I am a federally protected natural person as defined under the Truth in Lending Act 15 USC 1602e. 

Please be advised on XX/XX/2021, at XXXX pm Goldman Sachs and XXXX willfully and negligently violated my federally protected consumer rights. Goldman Sachs Bank USA and XXXX XXXX are in fact in violation of but not limited to the following federal laws ; 15 USC 1691 d ( 6 ), 12 CFR 202.9 b ( 2 ), 15 U.S.Code 1692d ( 2 ), and 18 USC 1028. I was denied an extension of my credit although I am the original creditor and provided my social security card number and XXXX benefited from the consumer credit transaction and I did not. 

I demand you : - grant me an open-ended unlimited credit plan - zero out the balance each month - pay the attached invoice in the amount of {$120000.00} by mail to the address listed- an audit trail mailed to the address listed above those entails the application and consumer credit transaction I entered yet did not benefit from If you do not cease the law violations mentioned above, I will pursue litigation against XXXX XXXX and/or Goldman Sachs Banks USA as 15 USC 1692k a ( 1 ) allows civil liability rewards for any damages, which include stress, mental anguish and other damages caused by violations due to XXXX XXXX and Goldman Sachs Bank USAs deceptive business practices and negligent/willful noncompliance.
Consumer complaint received 2021-09-08
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: EQUIFAX, INC. (DC)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON
Consumer complaint received 2024-12-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (AZ)

XXXX XXXX opened an Auto Loan on XX/XX/XXXX with Regional Acceptance Corp for a XXXX XXXX XXXX XXXX ( Account Number XXXX ) and opened an insurance policy with XXXX with Gap Insurance. XXXX XXXX XXXX XXXX XXXX XXXX sent normal payment for XXXX to Regional Acceptance in the amount of {$590.00} ( Reference # XXXX ) XX/XX/XXXX ( Date of Total Loss ) - XXXX XXXX ( Myself ) was in an auto accident with the XXXX XXXX XXXX XXXX. 

XX/XX/XXXX - XXXX XXXX sent normal payment for XXXX to Regional Acceptance in the amount of {$590.00} ( Reference # XXXX ) XX/XX/XXXX - I received my claim information from XXXX XXXX from the XXXX XXXXXXXX XXXX XXXX Claim # XXXX ) XXXX XXXX stated my vehicle was declared a total loss and that a payment of {$21000.00} would be issued to help pay off the loan. He also stated that if needed I also had Gap Insurance with XXXX, but was not needed in this case. 

XX/XX/XXXX - Regional Acceptance sent a Letter of Guarantee to XXXX for Regional Acceptance Client : XXXX XXXX Regional Acceptance Loan Number : XXXX Payoff Amount : {$15000.00} Vehicle Description : XXXX XXXX XXXX XXXX XXXX : XXXX Regional Acceptance Corp gave XXXX this payoff amount. 
XXXX XXXX 's full payment for the total loss was {$21000.00} would have covered the whole payoff requested. 
Regional Acceptance Corp released the title to XXXX. 

XX/XX/XXXX- XXXX sent payoff amount {$15000.00} to Regional Acceptance Corp. The payoff was sent immediately. 

XX/XX/XXXX- XXXX XXXX noticed on her credit report stating she had a 30 day late payment reported for XX/XX/XXXX & XX/XX/XXXX. XXXX XXXX thought must be a mistake and submitted documentation and dispute through XXXX. 
XXXX Dispute Date : XX/XX/XXXX Dispute # : XXXX Regional Acceptance Corp responded back saying not to remove them. 
XXXX XXXX then called Regional Acceptance Corporation to speak to them directly about the issue. They stated they marked those lates due to a {$59.00} Balance. 
XXXX XXXX never received any statement via email with balance that was owed. 
My communication preferences on my portal for Regional Acceptance for Statements is email to XXXX. 

The Letter of Guarantee date for payoff was XX/XX/XXXX which was the same day XXXX sent payment to Regional Acceptance.
Consumer complaint received 2024-11-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (MI)

I opened an account with Fortiva-XXXX XXXX XXXX XXXX24 for XXXX with fees the total was XXXX. My monthly payment is XXXX. 
XXXX XXXX, 2024, I called customer service to pay my bill. I was advised I was late and would need to pay XXXX, which I did. I was advised this amount included a late fee. On that phone call, I asked to have the payment date moved because my SS check comes on the XXXX of each month. Understand, I did not suggest the amount of XXXX, the customer service rep said since my payment was late, the amount was XXXX. 
In XXXX when I called Fortiva to pay my bill. I was advised to pay XXXX, when my actual payment is XXXX. I was advised they would not change the date because I was a XXXX short for the XXXX payment, How can this be, THEIR representative provided my with the amount to pay in XXXX. 
My check will always be the XXXX. I live check to check I can not continue to pay an additional XXXX each month. I have requested repeatedly now to have the date change. They refuse. When I called to make the XXXX payment once again they are charging an addition XXXX Now they say here is an offer I pay XXXX. This includes the late charges which should not have happened.
Consumer complaint received 2024-10-15
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: Experian Information Solutions Inc. (VA)

I noticed mistakes on my credit report concerning 15 USC 16c-2. The listed inquiries were not approved by me, and this incorrect data is damaging my credit. Please remove all hard inquiries that were not authorized. Thank you!
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2023-12-05
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)

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. 

has violated my rights. Or a list of inquiries : 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 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (NY)

I have no knowledge of this these fraudulent accounts. These accounts are a result of identity theft. I did not physically open these accounts in person at a branch nor did I open these accounts online with the bank. I am a victim of identity theft. These credit card accounts were open without my consent. There was also bank accounts opened in my name using my information obtained from a breach or other sources thieves use to obtain personal information and used to make payments on these accounts. Please remove these accounts from my Experian credit report. I have attached dispute letters along with an FTC identity theft report. & Police report.
Consumer complaint received 2024-10-15
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: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-15
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. (PA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.