davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

My problem is with Equifax. I can't pull a credit report through myequifax.com / XXXX or XXXX. Recently I soft applied for credit and was denied credit because the creditor couldn't get my file from Equifax.I checked with two of my current creditors, XXXX  XXXX and XXXX XXXX XXXX XXXX, both state they are still reporting to Equifax monthly. 

This began in XX/XX/2023 and and I initially reported it in XXXX when I couldn't get XXXX 3B credit report to include Equifax. Upon calling Equifax, they promised to fix it and said someone would contact me and get it resolved. They issued me a ticket number but lost it and finally gave me another Technical Support Case # XXXX. I'm attaching a screen shot showing myequifax.com credit summary while logged and it has no data. 

I have no idea why this has happened but I did dispute an error on my report in XXXX and their staff member was very rude. I would hate to think this was an act of retribution by an employee who obviously took issue with me filing a dispute.
Consumer complaint received 2023-08-09
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. (WI)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2020-11-15
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. (NY)

here are three issues One, I had a XXXX XXXX  Account number XXXX opened XXXX of XXXX they closed my account they bullied me by doing this and not looking into the matter. They put a late payment on my account XX/XX/XXXX XXXX This was an error because I have always been set up from auto pay ) when the rep called me about I asked what happened to my auto pay they could never explain why it did not take out a payment. I immediately made a payment with them over the phone. they were never able to see why the auto pay was stopped even though my bank showed no error on their end there was also funds in my account. They rep fraudulently entered me into some type of repay contract which stopped me from being able to use the card ) I didn't know that was cutting me off from my card. I was never late ever with my card. I used this card with pride. I continued to pay my balance down to XXXX they still would not let me use my card. Then on XX/XX/XXXX they closed my account. XXXX has ruined my reputation cause me to be denied for credit for a closed account and and false Late payment that was NOT from me doing anything wrong. this was a long running credit history with {$12000.00} line of credit that was taken from me without my authorization. They said they closed it due to a negative account from XXXX XXXX which leads me to my second issue. XXXX XXXX put an erroneous account, Account number XXXX on to my credit report which they had no permission from me to do so. I tried several times to get verifiable details to prove this account belongs to me and XXXX  have failed to provide anything with my signature or a sworn affidavit to prove they have validated this account to be truly mine. As you can see they have also ruined my reputation by putting this negative false account on my credit profile. I have tried several times to have this info removed by contacting XXXX, XXXX, and Transunion to remove this unverified information they are all using their power to ignore my concern this bullying technique is not fair! This is hurting me mentally and financially. I am being rejected for credit because of this. Which brings me to my 3 complaint. Lastly, these credit companies XXXX, XXXX, and Transunion are violating my rights by not providing the documentation they are suppose to have on file to prove accuracy of this XXXX XXXX account. I never gave anyone permission to add this to my credit report.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have tried to update my address to a mailable address XXXX refused to complete the request by stating all history is suppose to be reported to my account that it shouldnt be reporting accurately. I called on XX/XX/XXXX at XXXX XXXX XXXX. I have the documents ready to submit for my change! This is a violation of the FCRA and he stating that I maybe telling the truth and he will not remove it although it is reporting inaccurately.
Consumer complaint received 2020-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

This agency placed a negative item in my credit report without being contacted to dispute an alleged debt I owe them. They violated my right to dispute the alleged debt that I do not recognize. I sent them a validation letter for more than 30 days, but I never received a response. In the meantime, my credit continues to be damaged. According to the Consumer Financial Protection Bureau, a collection agency has 5 days to respond. I need them to validate the alleged debt properly. I sent them a very clear and concise validation letter. There are so many elements and so many questions that remain unanswered. I don't recognize the debt and if they think otherwise they will prove it to me with facts. If not kindly that they delete the negative information that they are validating in my credit report. Thank you
Consumer complaint received 2024-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

In XX/XX/XXXX, I was offered a line of credit by a Sephora employee, who stated that if I applied for the Sephora Community Credit Card, I would receive {$150.00} off my purchase. I decided to apply and provided accurate information, including my annual income of {$40000.00}. To my surprise, I was approved the same day and granted a {$5000.00} line of creditmuch higher than I expected, given my income level. I noticed that the interest rate was unusually high, but I assumed I would rarely use the card, so I did not think it would impact me significantly. 

Unfortunately, due to unexpected health issues and rising living expenses, I had no choice but to use the card. What I didnt realize at the time was that every purchase I made incurred additional interest immediately, compounding on top of the already existing balance. This caused my credit card to max out much faster than expected, even though I had not spent the full credit limit. The accumulating interest made it incredibly difficult to pay off the balance. 

In XX/XX/XXXX, I contacted the bank to request a lower interest rate, explaining my financial situation. However, the employee I spoke to laughed and dismissively told me that the bank does not offer such adjustments. Later, I discovered the bank offered a hardship program and successfully applied. I remained in the hardship program for over a year and was able to reduce my balance by {$1000.00} due to a temporarily reduced interest rate. 

However, now that I am no longer enrolled in the hardship program, the interest rate has skyrocketed again. Despite not using the card, the high interest rate is rapidly increasing my balance each month, creating a vicious cycle that makes it nearly impossible to pay down the debt. I called the bank again on XX/XX/XXXX, to discuss my options, but I was informed that because there is a pending dispute on the account ( regarding an unauthorized transaction that I only recently discovered ), they could not offer me any assistance, nor could they suspend the minimum payments. 

This policy of denying support to customers in financial distress solely due to a disputed charge is not only unreasonable but feels intentionally abusive. The bank is aware that I am struggling to manage this debt and has refused to offer any feasible solutions, effectively trapping me in a never-ending cycle of debt. I believe this lending practice is predatory and needs to be addressed.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I submitted a requested of investigation due to a inaccurate information been report in my credit profile this company is allowing without any investigation, i have not received any proof of their investigation they have not take my requested seriously as they should by law. This company is violating my rights
Consumer complaint received 2021-08-25
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)

XXXX  XXXX XXXX XXXX {$570.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. 

XXXX XXXX  XXXX XXXX XXXX XXXX {$48.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. 

XXXX XXXX XXXX {$310.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. 


XXXX XXXX XXXX XXXX XXXX {$300.00} I filed and ftc report and spoke with the creditor and they refuse to remove it.
Consumer complaint received 2020-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

there are three issues One, I had a discover card Account number XXXX opened XXXX of XXXX they closed my account they bullied me by doing this and not looking into the matter. They put a late payment on my account XX/XX/XXXX XXXX This was an error because I have always been set up from auto pay ) when the rep called me about I asked what happened to my auto pay they could never explain why it did not take out a payment. I immediately made a payment with them over the phone. they were never able to see why the auto pay was stopped even though my bank showed no error on their end there was also funds in my account. They rep fraudulently entered me into some type of repay contract which stopped me from being able to use the card ) I didn't know that was cutting me off from my card. I was never late ever with my card. I used this card with pride. I continued to pay my balance down to XXXX  they still would not let me use my card. Then on XX/XX/XXXX they closed my account. Discover has ruined my reputation cause me to be denied for credit for a closed account and and false Late payment that was NOT from me doing anything wrong. this was a long running credit history with {$12000.00} line of credit that was taken from me without my authorization. They said they closed it due to a negative account from XXXX XXXX which leads me to my second issue. 

XXXX XXXX put an erroneous account, Account number XXXX on to my credit report which they had no permission from me to do so. I tried several times to get verifiable details to prove this account belongs to me and XXXX  have failed to provide anything with my signature or a sworn affidavit to prove they have validated this account to be truly mine. As you can see they have also ruined my reputation by putting this negative false account on my credit profile. I have tried several times to have this info removed by contacting XXXX, XXXX, and XXXX  to remove this unverified information they are all using their power to ignore my concern this bullying technique is not fair! This is hurting me mentally and financially. I am being rejected for credit because of this. Which brings me to my 3 complaint. 
Lastly, these credit companies XXXX, XXXX, and XXXX  are violating my rights by not providing the documentation they are suppose to have on file to prove accuracy of this XXXX XXXX account. I never gave anyone permission to add this to my credit report.
Consumer complaint received 2020-11-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received a call from a phone number XXXX XXXX XXXX ) asking me to provide my I-94 information to the agent. To convince me further on the authenticity of the call, he asked that I visit the ICE website to confirm that he is calling with the Washington phone number. He went on and on to say a legal file has been charged against me. He asked me to read loudly the rules/laws on the ICE website, he said I was under investigation and my crime is that I didnt file my alien registration number on my I-94. 

While on the call with him, a number was calling me repeatedly and he asked which was that? I said I dint know so he asked me to call out the number and he said I should check on the internet to find out who it was. I checked and the phone number is for the XXXX Police Department. 

He threatened that the Police have been given a warrant to arrest me and they are on the way to my house. The call was transferred to another lady who spoke to me about whether I choose to be arrested for my crime or I want to pay a Bond. The XXXX police Dept number also called and spoke with me about my arrest threatening that I have 25 mins to pay the Bond. 
I was made to transfer a total of {$2900.00}. After which they asked me to pay another {$490.00} as late payment fee. It was at this point I ended the call because I realised I had been hypnotized and scammed. 

The request for late fee got me snapping out of the hypnotised state. 
I ended the call and immediately called my bank to explain everything that happened. 

Note : Gave his name as : XXXX XXXX Batch No : ICE XXXX Police officer called with ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX They issued me a Bond ID number : XXXX XXXX I was threatened to send money to XXXX XXXX proposed to be the legal attorney in charge of my case. She gave her number to transfer my Bond via my bank transfer - XXXX. I transferred {$970.00} three times as they instructed me.
Consumer complaint received 2020-11-15
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA (NY)

At the end of our lease new car lease financed with Hyundai Finance we decided to purchase the car. I called for payoff amount and instructions and I was given inconsistent amounts and was told I would need to have the dealer inspect the car even though we were buying it ourselves. Once I confirmed that no inspection was needed and obtained the correct payoff amount I paid the full payoff amount prior to XX/XX/20. The following month I received a call from the company requesting a payment for XXXX. I told them I was expecting the title because I paid off the loan. They put me on hold and confirmed that the payoff had been received. I wanted assurance that my credit rating wouldnt be affected and they said I would need to call the payoff department because if it was affected it was their error. When the title didnt arrive after two months my husband called and was told they sent the title to a wrong address in early XXXX. Since the address they allegedly used doesnt exist and it is different from the address theyd used for our lease bill for three years they should have recognized the error long before we called but they were unapologetic. They promised wed receive the title in 14 days. We received nothing after three weeks and he called back and was told we would receive the title in 10 days. That time has come and gone.
Consumer complaint received 2020-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted the complaint earlier along with the XXXX report showing that a Chapter XXXX was removed from my credit file ; however the file is password protected. Here is the password to open the file. 

Password : XXXX
Consumer complaint received 2021-03-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I opened a 360 checking and was promised a {$400.00} bonus for completing two {$1000.00} and above direct deposits. 

I had completed the requirements ( XX/XX/20 and XX/XX/20 ) yet never got the bonus.
Consumer complaint received 2020-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have sent numerous letters disputing this collection showing up on my credit. I have contacted the collection company and requested debt validation/dispute and they did not verify the account and they still reported on my credit file anyway violating my rights. I contacted the credit reporting agency and provided copies of the letters that they did not validate the this debt and to remove immediately. The credit bureau is violating my rights under the Fair credit reporting act. Transunion did not verify the account and did not ask to see a signed contract all they did was verify my name and address and said it was updated.That is illegal and violating my rights that is not way to update a collection account furthermore they did not ask to see any contracts with my signature on it and took their word against mine. Additionally, that is bias, unethical and violating my rights under the FDCPA. I demand that they remove this collection account immediately off my credit file. The credit bureau is allowing this injustice to occur and allowing companies to report inaccurate unverifiable collection on my credit file and not protecting the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. is reporting accurately unverifiable collection on my credit file and Transunion is allowing this to occur.
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

I have purchased XXXX through XXXX XXXX  company paid them off after the sell of my house and is still reflecting an open account which day refused to take off my credit report as a delinquent which they have already been paid off in full
Consumer complaint received 2020-11-15
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. (DE)

I have purchased XXXX through XXXX XX/XX/XXXXcompany paid them off after the sell of my house and is still reflecting an open account which day refused to take off my credit report as a delinquent which they have already been paid off in full
Consumer complaint received 2020-11-15
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. (NC)

I submitted the complaint earlier along with the XXXX report showing that a Chapter XXXX was removed from my credit file ; however the file is password protected. Here is the password to open the file. 

Password : XXXX
Consumer complaint received 2021-03-02
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. (MO)

I have a Charge-Off with XXXX XXXX XXXX XXXX XXXX, a late payment with XXXX XXXXXXXX XXXX and a collection that I have been disputing with the bureaus since XX/XX/XXXX. For this timeframe, they have not removed the accounts or done anything to help me. During my last dispute that I submitted to the bureaus on XX/XX/XXXX, the bureaus did not even acknowledge those disputes at all! Here it is XX/XX/XXXX and I am STILL waiting for responses from them.
Consumer complaint received 2022-12-03
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. (TX)

In accordance with the fair credit Reporting act XXXX  XXXX  15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit car account under an open end consumer credit plan as late for any purpose.