davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: MARINER FINANCE, LLC (TN)

Good Morning, I received a letter from XXXX XXXX XXXX XXXX XXXX firm, for the collection of a debt that was just an over sight on my part, from Mariner Finance for a total of XXXX. I contacted Mariner Finance to try to make up payments and then have them, to start taking automatic withdrawal from my checking account, and they refused stating that they would get in trouble for talking to me and stated I needed to talk to the attorney, in which I did contact the above mentioned attorney 's office and tried to set up the same arrangement, and they stated that I had to make the full payment, and I stated to them that I retired, but they refused to let me make any kind of payment, and refused to automatic take payments direct out of my checking account. They stated that they will sue. I do owe the debt and want to pay, but they refuse. 

Mariner Finance XXXX Attorney XXXX I am really trying to get this resolved. 

Thanks for your help
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance to the Fair Credit Report act XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

In accordance to the Fair Credit Report act Credit one bank has violated my rights.

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

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-05-15
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: FIFTH THIRD FINANCIAL CORPORATION (KY)

I was looking into Refinancing my home who I have lived in since 2007 in XXXX. When the loan officer looked into my mortgage there was no mortgage listed on my credit report as if I dont own a home. I initially contacted the XXXX to resolve the issue with the company. In XXXX I received the money that was missing from my escrow as well as my mortgage adjusted to the different rate and they stated in the letter they would report my mortgage to All three credit bureaus. After two weeks I contacted XXXX  to see what the process was, they stated I had to wait 45 days for the creditor to report. I am now filing this complaint because I have reached 45 days and no reporting has occurred. I would like to move my mortgage from Fifth Third Bank and I feel like I am being forced to stay there with no evidence of my credit history or current mortgage. It is effecting my credit score and my well being to found a better mortgage rate. I feel that this is a violation of my consumer rights.
Consumer complaint received 2021-10-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (CA)

XX/XX/2021 I have applied for a mortgage loan to refinance my first and second mortgage on XX/XX/2021. I used bankrate.com to find the best rate based on my credit score and I chose Ally Bank. 
I was directed to Ally Banks website which I learned later on that it was Ally Bank Powered by Better! After I entered m y information, I received a call from Ally Bank employee who reviewed my application and credit score ( FICO XXXX was chosen as the middle score ). He told me that in order to lock the rate, Ally needs a credit card and payment for the appraisal. I received my rate lock ( loan lock ) sheet the same day for a jump loan at 2.375 % interest rate. 
I gave my credit card information to Ally Bank. I got a call from XXXX ( Ally Banks appraisal service ) within a day or so, and by Saturday of the same week ( within 2 day ), my home was appraised. 
I continued receiving multiple documents request, as tasks, and I continued completing all tasks. I was assigned a loan processor in California and continued to work with XXXX XXXX 
The appraisal came at $ XXXX and the XXXX was very low. 
XXXX XXXX XXXX tasks and submitted the package for underwriting review. 
I received another loan lock sheet from Ally Bank and they added to the points telling me that the points would be higher since I am combining my first and second mortgage ( HELOC ) into one loan. I went back-and-forth with Ally representative by finally gave in so that my loan would go through. 
Initially I had indicated to Allys representative that my loan was in forbearance during Covid-19. The representative indicated that that was not an issue. I wrote Ally a letter and explained everything at the beginning as well. 
All of a sudden, I was told by XXXX that their underwriting department has not approved my loan due to number of credit inquiries as well as missed payment! This was very strange to say the least because I was never asked to explain anything about these issues. 
Ally refuses to honor the rate although I have EXCELLENT FICO score and payment history. I feel like they have found an excuse not to honor the rate since the rates have gone up! My attempts to reach out to someone have gone unanswered. I keep receiving email confirmation from my Ally Banks loan processor, XXXX that my case is escalated to their Executive Customer Relations. I have not heard from anyone although I have repeated called and emailed them. 
I want Ally Bank to honor that rate that they have locked me at.
Consumer complaint received 2020-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I am a victim of ideninity theft reported to usaa XX/XX/XXXX FRAUD {$470.00}. FTC CASE XXXX XX/XX/XXXX - XX/XX/XXXX USAA never resolved ANY fraud. I have been fighting usaa attempting to get usaa fraud credits since XX/XX/XXXX. USAA HAS DESTROYED MY CREDIT COLLECTING ON THIS ID THEFT. Finally XX/XX/XXXX usaa provided fraud credits {$460.00} WITH NO NOTICE OF THIS CREDIT AS PER POLICY. WHY NO NOTICE?? I have called 6 times usaa REFUSES TO TELL ME SPECIFICALLY WHAT PURCHASE DATES THIS FRAUD CREDIT IS PAYING FOR XXXX USAA HIDES THESE FRAUD CREDITS. USAA WILL NOT PUT IN WRITING THE DATES THIS FRAUD CREDIT COVERS ( BECAUSE ** IT IS YEARS LATE. ) USAA DOES NOT WANT THIS IN WRITING. ** I HAVE A RIGHT TO WRITTEN DOCUMENTATION WHAT THESE CREDITS ARE PAYING FOR ON THIS INACTIVE. CLOSED ACCOUNT. WHY IS USAA COLLECTING ON ID THEFT case XXXX reported XX/XX/XXXX??? USAA NEEDS TO PROVIDE WRITTEN DOCUMENTATION ON THE ABOVE TO MY HOME ADDRESS.
Consumer complaint received 2020-05-15
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: EQUIFAX, INC. (CA)

I got my credit ran today XX/XX/2020 because I applied to XXXX XXXX Apartments and I did not qualify to rent an apartment because my report came back with a lot of accounts in negative standing. Before today I didn't even know that these accounts were on my credit because none of them are mine ; I did not open any of the accounts I listed on this report and I have never allowed anyone to open any credit card, loan or anything else in my name. I don't know who is responsible for all of these accounts but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payment towards any of these accounts. As for the companies that the accounts are coming from, I do not have any written/verbal contract with any of those companies nor am I affiliated to them in anyway.
Consumer complaint received 2020-05-15
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. (MO)

What happened is someone obviously misused my personal information and it has haunted my credit file and emotionally drained me. I used to trust the credit agencies but their just as much to blame as the perpetrator themselves. Never once has the credit reporting agencies provided me with any documentation that I requested in regards to these accounts. I hope this issue can be resolved without any further actions, your cooperation is appreciated. I'm demanding these accounts be removed. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX
Consumer complaint received 2020-05-15
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Stilt Inc (GA)

I have requested the lending entity that I will repay immediately XXXX USD and work out the rest ASAP of the balance of XXXXUSD at the moment. But they are not allowing me to do so and purposely allowing the outstanding to accumulate and continuously charge the interest. 
My repeated exchange of mails did not yield any result.
Consumer complaint received 2020-05-15
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: EQUIFAX, INC. (MO)

The following unauthorized accounts are not mines, they do not belong to me in any manner, and I'm demanding that they be removed and blocked from my credit file. The three major reporting agencies are the problem, each has experienced an breach but does not take any responsibility for their lack of security and the mishaps of your credit file. You constantly telling these agencies that you did not open nor authorized these accounts but yet they seem to be working against you. I was incarcerated for 10 years even when this account was opened. So please remove and block the following accounts from my credit file immediately. 

1. XXXX XXXX 2. XXXX  XXXX XXXX
Consumer complaint received 2020-05-15
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)

I contacted Equifax to notify them that Bankruptcy XXXX needs to be investigated for verification and deleted because it is erroneously being reported on my credit report. Equifax responded to my request for verification with a response. I contacted XXXX XXXX regarding the bankruptcy & XXXX XXXX sent me back a letter stating that they could not Verify the Bankruptcy XXXX ( see attachments ). Sent a letter back to Equifax and requested a deletion & proof that they had did a " reasonable investigation to ensure the maximum possibility of reporting ''. Equifax responded by sending me a letter requesting information for identify verification ( Something I have sent over 100 times the were playing games to stall ). I have sent Equifax letter from XXXX XXXX stating that the account could not be verified ( the source sited on the Equifax report as verifying the Bankruptcy ) Equifax is willfully reporting erroneous, damaging, and unverified information on my XXXX  report. They are in direct violation of my consumer rights and of FCRA 15 U.S.C 1681 ( a ). and is causing great harm to my ability to obtain financing and/or credit in a time where it is needed during this pandemic crisis. 15 U.S.C. 1681i ( a ) ; Johnson v. MBNA Am. Bank, 357 F.3d 426, 430 ( 4th Cir. 2004 ) ; Fed. Trade Commn v. Gill. 265 F.3d 944, 1035 ( 9th Cir. 2001 ) ( If an item is found to be inaccurate or unverifiable, the CRA must delete the information from the credit report.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2020-05-15
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: Experian Information Solutions Inc. (AZ)

XX/XX/20- I received a notification stating " Your Score Decreased ''. My score decreased by -28 points. 

XX/XX/20- I disputed the account because it isn't mine. 

XX/XX/20- Credit Score Decreased stating " Credit usage on your XXXX XXXX XXXX  XXXX XXXX account increased significantly to 96.40 %. '' XX/XX/20- I received a notification stating " Your Score and Credit Rating Decreased. '' My score decreased by -21 points. Nothing changed on my report and there was an open dispute because the account isn't mine. 

My score decreased -49 points within 9 days. 

I called numerous times trying to speak directly to representatives to try and rectify my issues, but I had poor experiences each time which resulted in me filing a complaint. 

XX/XX/20- I received a notification stating " XXXX XXXX XX/XX/XXXX XXXX XXXX Account XXXX. This item was removed from your credit report. '' XX/XX/20- I received a notification stating " Credit Score Increase '' My score increased +10 points. 


I've tried numerous times to try and receive an explanation on why my credit score decreased so many points and when it was confirmed that it wasn't my account, and I haven't had any negative impacts to my credit, why my score did not increase more than +10 points?
Consumer complaint received 2022-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (CA)

On XX/XX/XXXX, my underage XXXX son attempted to purchase concert tickets and ended up purchasing from a 3rd party website that was NOT the primary point of sale site for this event. He purchased two tickets using my " affirm '' buy now pay later account. I was notified of the purchase via email as soon as it went through and instantly contacted the company, XXXX XXXX, to request a cancellation. I explained the situation and that the purchase was made by a minor and was unauthorized. XXXX XXXX  stated they would not cancel and refund the purchase, but suggested we list them for resale on their site- which would net them additional money as they take a portion of the sale proceeds as commission on the sale. I mentioned that I did not feel comfortable listing tickets for sale when we do not have possession of them- and especially when it will put additional money into their pocket, which seems unreasonable ( we still do not have the physical tickets and i believe my son may have been scammed which is why i immediately attempted to cancel the purchase and dispute the charge ). I reached out to affirm and gave them all of the information and documentation and filed a dispute for the purchase. I have repeatedly reached out to them for resolution, to no avail. I was told that by filing a formal dispute, we would not be responsible for the monthly payments until the dispute had reached a resolution. Due this information, I did not make the first monthly payment. Upon missing the payment, i began to receive daily calls and emails from affirm, attempting to collect the debt, and threatening my credit. I spoke with multiple representatives who called in an attempt to " collect the debt '' was each time I told them about the dispute, they confirmed my credit would not be impacted. Finally, on XX/XX/XXXX, after yet another call from a representative attempting to get me to make a payment over the phone, I had told them it had been well over 90 days since i filed the dispute and I am now feeling harassed and that there MUST be resolution for this unauthorized charged, since the XXXX refuses to cancel the transaction. I received an email on XX/XX/XXXX from affirm, stating they are not ruling to cancel the transaction and that I am responsible for this debt and will need to pay or my credit will be affected and reported. So I am now filing this report in hopes that my credit will not be impacted moving forward, and to dispute any negative remarks from affirm.
Consumer complaint received 2020-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

credit collection service XXXX XXXX XXXX XXXX ma XXXX ( XXXX ) XXXX original creditor XXXX XXXX amount u {$120.00} placed collection XX/XX/2017 my name is XXXX XXXX XXXX never owned anthing for this company!! 

att XXXX XXXX
Consumer complaint received 2020-05-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion online dispute is not working at all, when you try to call TransUnion you wait with over an hour wait times or the call just drops. 

I have in accurate information I'm trying to report and they are the only agency making it difficult to report.
Consumer complaint received 2020-05-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

After a 3 & 1/2 year relationship, I'd had enough. On XX/XX/2020 I broke off the engagement with the father of my XXXX month old daughter. Taking my XXXX girls and a handful of clothes, I left him on the morning of XX/XX/2020. While en route from XXXX  to XXXX, I discovered my girls ' XXXX savings accounts had been drained. I had {$3000.00} in each of their minor accounts with me as the sole guardian/parent/owner. I specifically set them up this way with a personal banker who assured me he'd never have access to these accounts. I had opened these on XX/XX/2020 in person with an initial deposit of {$2500.00} into each account and added a second deposit of {$500.00} each on XX/XX/2020. Evidently on XX/XX/2020 he managed to do an online transfer of both their savings accounts into the mutual checking account we'd been sharing for a few years. It was around XXXX or XXXX on XX/XX/2020 when I saw my daughter 's monies were missing from their accounts and so I quickly went to a Wells Fargo branch in XXXX  where I was given a print out showing the funds were in a pending state. After hours of phone conversations with many Wells Fargo departments I was given case numbers and assurances that the transfers had been halted and my daughters ' monies were safe and to be returned. I was told it would take 10 days then I was told because of my need and urgency, it would be expedited. Extra safety measures were put into place to ensure he couldn't repeat the stealing of my girls'monies by setting their accounts up with my voice recognition and a verbal password. After a few days of waiting, and several phone calls more, I was instructed to go into a Wells Fargo branch in XXXX XXXX to close out the mutual checking account on Saturday XX/XX/2020. It was then I was told my girls monies should be returned to their accounts in two days. Two days later and still no funds. I did receive an email instead stating I'd receive a phone call in 3 days. It's 3 days later today on XX/XX/2020, and no phone call - no funds. The only piece of information they would tell me was that he withdrew the money on XX/XX/2020 at XXXX & XXXX XXXX. I am now unintentionally a financial burden on close family and friends. Please help!
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (NY)

I received an alert from my Credit card company that a new inquiry was made. After looking it up I discovered that a Credit Card inquiry had come in, a hard inquiry which was not initiated by me. It was a fraudulent attempt to use my credit. After a great deal of effort I was able to stop the card and the bank XXXX XXXX XXXX XXXXXXXX XXXX said the card was stopped and that the hard inquiry would drop off after 2-3 months. This occurred on XX/XX/2022. Nothing has been removed on this inquiry and still appears on my Experian credit report.