davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or immediate update of the following erroneous information on my credit report : Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Account Number XXXX Last Activity XX/XX/XXXX Account Number XXXX Last Activity XX/XX/XXXX Account Number XXXX Last Activity XX/XX/XXXX All accounts are reported as charged off with a last reporting date. These accounts continue to be updated monthly after the date of life activity. All accounts does not show a XXXX balance Not all the information is the same amongst the same bureaus.
Consumer complaint received 2023-03-22
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated or removed : XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Carter-Young, Inc. (NY)

Suddenly they called me for a debit what I had no idea about. They would not tell me anything about the debit until I give/verify them my full SSN. Finally I got the original creditor name from the credit report. I used to live there until XXXX, XXXX and left paid everything. Since then no one XXXX original creditor ) ever claim anything other then this abusive collection agency. The collection agency did not verify the debit with me rather they directly put it to credit report and messed up my credit. 
When I contacted the original creditor, that XXXX would not give me any info or even would not talk to me. I had some argument with him long time ago, so I think this way he messed up my credit. 
Both the collection agency and the original creditor extremely abusive and XXXX biased. They did not claim/verify/validate the debit but put the claim directly to the credit agencies intentionally to destroy a very young student early credit life.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC. (CA)

I tried to by property the lender pulled up FICO score but the score does not show their report. Without the FICO score lender can not process the loan XX/XX/2021 So I want to fix FICO score I have all the reports from company There is no problem on the on the report but only there is no score.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

I am filing this complaint against XXXX for their egregious violations of the Fair Credit Reporting Act ( FCRA ) and the substantial damage they have caused to my credit profile and financial stability.

Here are the facts : I paid off a car loan with XXXX in full with a {$29000.00} cash payment. I have documented proof from both my finance company and bank confirming the payment was made. 
XXXX reported the loan as paid and closed to the credit bureaus. However, a week later, they falsely claimed my payment was late. After contacting them, XXXX acknowledged receiving the payment but did not correct their erroneous reporting. 
As a result of XXXX inaccurate and irresponsible reporting, my credit score dropped by XXXX points, which directly caused : The loss of my job, where maintaining a certain credit score was required.

My disqualification for a home loan, crushing my familys financial plans.

This reporting error has had catastrophic consequences for me and my family, and XXXX must be held accountable for violating my consumer rights. Specifically, XXXX has breached the following FCRA provisions : 15 U.S. Code 1681s2 Duty to provide accurate information to consumer reporting agencies. XXXX failed to meet this obligation, as they initially reported the loan positively, then erroneously changed it to a negative status.

15 U.S. Code 1681i Failure to investigate disputes. Despite my providing proof of payment, XXXX has not corrected the inaccurate reporting in a timely manner. 
Cases like XXXX XXXX XXXX XXXX XXXX XXXX XXXX highlight the FCRA violations present in this matter, and I am prepared to take legal action if this issue is not resolved immediately. The harm done to my credit, employment, and home-buying process demands compensation.

If this issue is not resolved immediately, I will pursue further action, including filing complaints with the XXXX XXXX ( XXXX  ), the FDIC, and the OCC. Additionally, I will be moving forward with legal action to ensure I am fairly compensated for the damage XXXX has inflicted on me and my family.

I have attached all documentation, including payment proof and communication records, to support my claim.

I expect a prompt response and a thorough resolution to this matter.
Consumer complaint received 2021-04-02
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. (CA)

On XXXX I sent a letter in regards to inaccurate unknown information on my credit report that was not furnished with my written consent as a consumer per 15 USC 1681b subsection C ( Fair Credit Reporting Act / FCRA ). As of now its been almost 60 days and still not heard a thing about my investigation. I feel like im being taken advantage, my disputes are being ignored, and they are violating my rights as a consumer. In 611 ( a ) of FCRA it clearly states that failure to investigate these items within 30 days is reason to remove them immediately from my credit report. Its now been almost double that time at 60 days so they should be removed immediately. Im shocked how my rights as the consumer are being violated and im being ignored when asking for fair correction, I demand these accounts be deleted asap for all the stress it has caused me.
Consumer complaint received 2021-07-01
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: DISCOVER BANK (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2023-03-22
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-07-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M.L. Zager P.C. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2019-06-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AutoNation Enterprises Incorporated (CA)

I finance a truck for XXXX after taxes and fees it rounded of to XXXX that's understandable after 4 years of paying them I asked why I still owe XXXX if the truck should of ben paid of I asked them for transactions in the past and finally after 3 years of asking them they emailed it out I saw that I have XXXX I have paid and they are misleading rude fraudulent business. 
I ben getting ripped off and harassed by this lender and just found out today there not even a bank like they told me in the beginning they have mislead us and every time theres a problem they just pass us on to a different representative like this is there tactics to miss lead and have us confused its a leasing department with nothing but complaint and bad reviews by there consumers look them up on XXXX heres there link https : XXXXXXXX XXXXXXXX nothing but the same story of us consumers being ripped off I cant believe that this is allowed I will like them to be investigated for fraud and misleading contracts
Consumer complaint received 2023-03-22
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: TD BANK US HOLDING COMPANY (TX)

I WENT AND CHECKED MY CREDIT REPORT AND I SEEN THESE INQUIRY ON REORT THAT I DID NOT DO AND HAVE NO KNOWLEDGE OF I HAVE IDENTITY THEFT ON MY REPORT AND THEY ARE SUPPOSE TO CALL TO VERIFY THAT IT IS ME AND NO ONE CALLED AT ALL Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Department, variety, local, regional, and national chains Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2019-06-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Prospect Financial Group, Inc (CA)

Hello. My name is XXXX XXXX and I recently refinanced my home with Prospect Financial. I dealt with a loan officer by the name of XXXX XXXX. I had a mortgage with XXXX XXXX and my interest rate was XXXX. XXXX XXXX persuaded me that by refinancing with Prospect Financial, I would decrease my mortgage payment. I did continue with the refinance and advised her that I wanted to continue with an escrow account, as I had with XXXX   XXXX. She assured me that I would have the escrow account included in my mortgage statement. When I was signing the loan documents, I noticed that the escrow account was not included in the final mortgage monthly payments. I advised XXXX XXXX of the discrepancy and she assured me that all I had to do was contact my new loan company and they would fix the problem. 

When I contacted XXXX XXXX  XXXX, they advised me that creating an escrow account was not as easy as she had led me to believe. When it was all said and done, my new mortgage payment was well over my original payment with XXXX XXXX. I paid over {$14000.00} to Prospect Financial in order to get a XXXX interest rate, that I already had, so I can pay {$40.00} a month less on my mortgage. 

I feel that I was misled and that this loan was not beneficial, nor in my best interest, to acquire.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX-Balance {$4900.00} XXXX XXXX-Balance {$790.00}
Consumer complaint received 2021-01-17
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: DISCOVER BANK (MA)

I am disputing the amount on my statement dated XXXX because the credits that i received from XXXX were added back to my account as purchases.The first time that this happened was in XXXX. The amount was {$10.00}, not only was it added back it was done twice. I called Discover on XXXX XXXX and spoke to XXXX. She told me that there are times when they mistake a credit for a purchase. I stated that it was added twice, she had no answer for this. 

The second time it happened was XXXX, XXXXI received a credit from XXXX in the amount of {$45.00} and it was added back as a purchase. I called Discover and spoke to XXXX an Account Manager. He was very offensive, and refused to listen to what is right there for naked eye to see. I have copies of the emails sent to me from XXXX confirming the credits. I tried to add them as an attachment but was unsuccessful. I will be glad to send them if you so request. 
Thank you my email is XXXX XXXX
Consumer complaint received 2021-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (CA)

Recently, I moved from XXXX XXXX, CA to XXXX, CA, to follow my Wife for her XXXX program, and as such had to cancel my XXXX  internet service. This was early XXXX of of last year. They said I was due to be charged one final time on XX/XX/XXXX, through XXXX. I was charged successfully. It was my understanding my account was settled. 

However, a few months later I suddenly realized that there was a collection for {$120.00} on my credit report. After digging, I realized this was due to unreturned equipment. 

I had not been given any email notification, text notification, nor letter of any kind. No communication at all to inform me of my balance being due. I would have gladly paid immediately, or returned the equipment, if I had been reached out to. 

My address had changed ( as I had informed XXXX  several times due to me moving out of their service area ). XXXX knew this, and yet did not make any good faith attempts to reach out to me despite knowing that the address starting with XXXX was no longer my mailing address. I even had USPS mail forwarding setup, and never received a letter from them. There was no way for me to resolve this when I gladly would have, had I known about it. 

They moved straight to reporting a debt on my credit. I have since returned the equipment successfully to them ( documents attached below ), after talking with a XXXX agent over the phone and confirming I still could, however, there is now still a {$120.00} blemish on my report, despite my equipment being returned. I am looking to buy my first home and this is really making me struggle to qualify, as it dropped my credit score from XXXX down to XXXX. 

Please, if anyone is reading this, I need help. I want to make things right with XXXX, but I feel cheated, as I was never even offered a chance to settle things correctly, nor given notice or opportunity to pay them what they were due, in lieu of returning the internet equipment.
Consumer complaint received 2023-03-22
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. (IN)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2021-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (HI)

My loan was sold ( offloaded/onboarded ) within days of my first payment to GuaranteedRate. I have been given three different loan numbers over 5 months. For two months I had not received any mortgage information. In particular, I could not pay my mortgage because the old loan number from when I bought the house didn't work anymore and my new loan number was not active. There was no way to pay online, and no physical payment stub to send in. I called once a week for two months to find out how to pay my payment and no one could give me any answers. 

Eventually on XX/XX/XXXX I was given advice from XXXX XXXX and XXXX XXXX from GuaranteedRate ( See attached emails ) to make a one time payment of XXXX to XXXX ( XXXX  XXXX XXXX  ) to a new account number ( loan number 2 ). I did so, and received email confirmation as well as a debit from my bank account. I assumed it was taken care of and all would be well. 

On XX/XX/XXXX my new loan number ( loan number 3 ) was activated and eventually showed that while my XXXX, XXXX, and XXXX payments ( all sent via check or via rate.com dashboard ) were accounted for the XXXX payment sent via XXXX did now show up. I then began contacting them to alert them of the missing payments ( see attached emails ) and was never given an answer other than " contact our research department '' or just simply " we can't find that payment, sorry. '' I sent all of the pertinent information to the research department on XX/XX/XXXX and the problem still has not been rectified. 

In the meantime I've been getting mail from the company stating I am at risk of losing my house. I also received multiple bills from them demanding I pay up to {$7400.00} because the new loan had not received payment from the loan it BOUGHT OUT ( ie loan number one ). This was terrifying for me as a first time homeowner, and completely unprofessional of them blaming the consumer for their clerical errors. 

Finally today ( XX/XX/2021 ) I spent over an hour on the phone with customer service at Guaranteed Rate and all they could do for me is " put in a work order '' which " may be done by XX/XX/XXXX ''. Even if that's the case it shows I am delinquent on my XXXX payment, since my XXXX payment went to pay the one that they have lost. I'll also be due for an XXXX payment soon. 

I have talked to countless people on the phone and spent countless hours and I either hear " We don't have access to that page so there's nothing we can do about it '' or " Send this to research and they'll take care of it ''. None of this has helped, and no one seems to want to help my fix my problem. I sent a payment in good faith as I was instructed to do by a person at GuaranteedRate, trying to do the right thing and pay my mortgage, and all it has done is caused me grief and stress.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am writing to demand the immediate removal or correction of inaccurate information regarding my XXXX XXXX XXXX account as reported by your bureau. This letter serves as a formal notice that I have previously requested validation of this account ; however, no documentation has been provided to substantiate its accuracy. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S. Code 1681i ), I am entitled to a full investigation of disputed items and the right to receive supporting documentation. Since the requested documents have not been provided, I am demanding that the balance be corrected to {$0.00} and that the inaccurate payment history be addressed.
Consumer complaint received 2021-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (OH)

I spoke To a representative from XXXX MasterCard through synchrony bank. They put me in a deferment plan due to covid where I wouldnt Have to pay for two months, no fees and no derogatory marks on my credit report. Two months later I get spamming calls every single day regarding the payment before it was due. And they reported to the credit bureaus that I missed Three months of payments even though I have Proof I paid The third and fourth month with them. I want These lates removed and all late fees associated as well as my credit score fixed. This prevents me from any lending I want To do regarding buying a house or getting a credit card to transfer balances or even consolidate my debt. Ive spoke to them multiple times and filed mutiple disputes with XXXX  and XXXX