davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-03
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: Experian Information Solutions Inc. (PA)

A car dealership from XXXX, PA used my information provided by an ex girlfriend to find her a car when my autorization was never obtained over the phone or on paper. XXXX XXXX  of XXXX, pa did this. I have called them and they have stated that you did do it saying i gave girlfriend permission which i didntand failed to investigate properly. I also called Experian to dispute unauthorized inquiries and they told me that since i didnt file a fraud alert when the inquiry was made it counts regardless if i auatorized it or not. I even sent certified mail to Experian with what i am disputing they ignored it and sent me nothing back. Please help I am currently trying to buy a house and banks are denying me saying to many inquiries
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I would like to file a formal complaint against XXXX as I understand the CFPB disputes will not also end up being included in my credit report. 

I understand that The Consumer Finance Protection Bureau ( CFPB ) has administrative oversight over compliance with the credit reporting provisions of the FCRA, including compliance by the credit reporting agencies. 

I chose the word dispute to validate debts on my XXXX credit report on accounts that report closed, XXXX balance, unknown account status, or hasn't updated in over a year. XXXX inserted in the comments Account in dispute-reported by subscriber. Account information disputed by consumer under the Fair Credit Reporting Act. I contacted XXXX XXXX and Portfolio Recovery Association and I explained that it will affect me negatively and they said they would take it off, but can't guarantee what the bureaus would do. 

Actions Taken : I contacted XXXX on XXXX XXXX, 2020 and asked them to remove the note that it's in dispute. I told XXXX that I never intended to file a dispute with the credit agency when I spoke to their rep, my intention was to contact the original creditor which by law I should be able to contact the original creditor myself but the company information is not provided on any of my credit reports. I made it clear I was disputing with XXXX  themselves and was told it'll be deleted via phone in 24-72 hours. This has still not happened.
Consumer complaint received 2020-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I applied and was approved for the Capital One Walmart Rewards Credit Card on XX/XX/2020. However, on XX/XX/2020 I attempted to purchase a Visa gift card and a grocery snack item at a Walmart in XXXX Mississippi using Walmart Pay with my linked and aforementioned credit card and the transaction was declined. The cashier was able to print a record of why the system had declined the transaction, which was that an invalid payment method had been used. Strangely enough, when the Visa gift card was removed from the list of items I was purchasing, the transaction was approved immediately. 

This circumstance proves that Walmart Pay would not let me purchase a Visa gift card using their payment service. However, that stipulation was never presented when I applied and was approved to use the Walmart Pay service. Walmart Pay is blatantly neglecting to disclosure significant terms to their payment service and is discriminating against those purchasing gift cards. I never accepted any term that prohibited gift card purchases using Walmart Pay and therefore this unfair practice is illegitimate and without legal merit.
Consumer complaint received 2020-02-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (GA)

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : WELLSFARGODEALERSVCS {$8700.00} Opened XXXX, XXXX XXXX XXXX XXXX  {$4800.00} Opened XXXX XXXX XXXX I did not make the charges listed above. I request that you remove all fraudulent charges and any related fees, send me an updated and accurate statement, and close the account. I also request that you stop reporting the inaccurate information to credit bureaus. 
I have enclosed my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent items related to your company. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when providing information to credit bureaus.

The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent d Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Debts to another party for collection. 
Please investigate this matter and send me a written explanation of your findings and actions. Sincerely,
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/2020 {$160.00} XXXX XXXX XXXX  Last reported XX/XX/2020 {$720.00} Reported balance Credit limit {$400.00} XXXX XXXX XXXX Last reported XX/XX/2020 {$470.00} Reported balance Credit limit XXXX XXXX XXXX XXXX  XXXX Account Type Lease Balance {$470.00} Date XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Balance {$800.00} Date XXXX
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I AM REQUESTING TO HAVE FRAUDULENT INFORMATION FROM XXXX/XXXX   REMOVED FROM CREDIT REPORT I NEVER OPEND CREDIT OR USED CREDIT. MY PHONE NUMBER WAS HACKED THROUGH XXXX  AND FRAUDULENT ITEMS WERE OPENED.
Consumer complaint received 2020-02-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

On XX/XX/XXXX, I obtained {$68000.00} equity line of credit from XXXX XXXX XXXX and I spent only {$25000.00} out of the approved amount before the account was blocked. I paid interest on the amount of {$25000.00} auto draft regularly until XX/XX/XXXX when i filed chapter XXXX bankruptcy. Sometime, in XXXX during my bankruptcy XXXX XXXX XXXX simultaneously assigned the loan to XXXX XXXX and XXXX XXXX not in its individual capacity but solely. On XXXX, XXXX XXXX obtained a judgment for {$42000.00} which i appealed. Suddenly, Rushmore loan management company claimed to be in charge of the mortgage that was already litigated and appealed. Currently Rushmore loan management services are demanding {$57000.00} and began to send me statements as if I holds a mortgage note with them. On XX/XX/XXXX, Rushmore loan management services planned to sell the property through a sheriff sales. Meanwhile, Rushmore loan management services suddenly showed up and simply want to defraud and take advantage of my financial situation.
Consumer complaint received 2020-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Locate Source America, LLC (NV)

XXXX has contacted the company and told them this was not him and he has nothing to do with the account. XXXX said this account is ruining his life and his credit score he also said he had no knowledge of it until it showed up on his credit report and he is willing to file a lawsuit.
Consumer complaint received 2020-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX pulled a hard pull on my credit. Which, I didn't mind at the time. They have asked for several documents to be submitted, I couldn't submit those documents at that time until the following day. I did not receive any phone calls from them nor any e-mails that they've denied my loan request. I have to call to find out that they dined my loan. I asked them why, and they wouldn't give me a solid answer. The hard pull on my credit is what hurts me the most because I did not even have the chance to talk to anyone about the case or even show any proof. I called Trans Union to see if they can help me dispute my credit score, they stated that they need a letter of the loan denial. I called XXXX again and they would not give me a letter and kept saying that it was my fault. Any company that I've gone through credit cards or loans, you always receive a letter saying they have approved or have denied your request. I don't understand what their issue was, but it's unethical. Glad to be denied because I wouldn't want to do business with them even further after this incident.
Consumer complaint received 2020-02-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

I have been with Navient for some time. In XX/XX/2017 my husband and I divorced, at the same time my monthly payments with Navient were up for review. They went from {$120.00} to {$900.00}!! I called and explained, my divorce as well as, having a child. They recommended I go into Forbearance instead of working with me to make a lower payments. They would not take into account other bills I pay every month, like daycare, utilities, groceries, car payment, nothing. I ended up in default. In XXXX I called again and spoke with someone, explaining my income, my son and all my bills. I told them I could pay {$250.00} a month. I was told the lowest they could go was {$410.00} and they would not budge. I was flabbergasted and so upset. Here I am calling to MAKE payments and they wouldnt accept them. She told me to go into forebearance and call again in a couple of months. I hung up and cried. I felt and feel helpless. Out of pure frustration, I just gave up and ended up in default again. So, I went back on Navient 's site trying to figure out what I could do. I ended up filling out a form that calculated whether Navient was asking more than I could pay based off my paychecks. Low and behold, they were. I submitted the forms via their process on their website and again was denied, even though this was THEIR formula and their apparent process. I am now sitting here with a 20 year old student load that started at XXXX and is now over 90k, with payments over {$900.00} a month that I will never be able to make and a company who wont work with me. What is someone like me supposed to do?
Consumer complaint received 2020-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CT)

We have submitted several fax asking for 1098 account payment history for XX/XX/XXXX-XX/XX/XXXXand XXXX. We believe e payments were not posted properly and taxes overcharged without refunding credit on taxes. One year misapplied payment towards principal of over 7000 causing us to default n modified. Than again same practice. Of misapplying payment in XXXX causing us to modify again. They stated they advance XXXX in escrow yet we cant see it. Our records show we overpaid escrow with this suppose advancement in excess of over 8000 dollars. The 1098 forms showing payment history would prove this but they will not send it,
Consumer complaint received 2020-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (OH)

My father who served in the XXXX was Deceased on XX/XX/XXXX. I notified Discover XX/XX/XXXX of XXXX that my father had passed. They said they would take care of it when I called their customer service. 
On XX/XX/XXXX I spoke over the phone with attorney XXXX XXXX who filed what was needing in the court system my father had passed and the house was considered a homestead therefore a creditor could not come after the house once transferred into my name. I paid him {$1400.00} to file everything. 
Two weeks later my deceased father received a delinquency notice from Discover. I called Discover and they asked for money from the estate. They where informed there was nothing in the estate. They told me to apply the cash back bonus to the account. 
Several weeks later I received a call, a letter from XXXX XXXX  XXXX. I informed them there is no estate. They said ok that was it. In XX/XX/XXXX/ XX/XX/XXXX I received calls and letters again from XXXX XXXX XXXX. I informed them the estate was insolvent. The rep replied ok. The next time I spoke with a rep they said they would still file a claim ... I told them it was insolvent.. I faxed them the court documents provided by my attorney .... A few days later I received another letter from XXXX XXXX XXXX wanting me to settle on the account. I attempted to contact XXXX XXXX  XXXX during regular business hours but they sent me to a voice mail and I asked them to stop attempting to collect from me. Do not call me again. Now, today I received court papers in the mail.
Consumer complaint received 2020-02-02
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 — Their investigation did not fix an error on your report
Company: FIFTH THIRD FINANCIAL CORPORATION (MA)

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-02-03
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: Experian Information Solutions Inc. (OH)

credit reporting agencies refuse to properly report accurate credit history and they are very aware of it FICO 8 CODES FOR EQUATION OF SCORE ARE MISSING GOING BACK OVER 15 YEARS OF CREDIT HISTORY NOW IT SHOWS INSUFFICIENT CREDIT HISTORY. 

ON ALL THREE BUREAUS AND XXXX  HAS NOT RESPONDED WITH UPDATES EITHER
Consumer complaint received 2020-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NC)

I previously reported in complaint XXXX that Experian would not provide me a complete copy of my annual credit report when requested. Today, I received a postal card with no sender identification of any kind asking me to provide personal identification information, copies of receipts, photo ID, and more by US mail. No credit reporting agency is named on the card, no contact telephone number, no send-to address provided, only XXXX XXXX XXXX  in XXXX Texas. Experian 's real address I discovered on the Internet is Experian 's National Consumer Assistance Center at XXXX. XXXX XXXX, XXXX, TX XXXX. 

I should not have to provide additional information to Experian in any event, Experian already recognized my name, account, password, address, and validity when they provided on-line access to my report which was mostly blank as explained in complaint XXXX. All the creditors were correct, but the relevant data missing. 

Experian is simply trying to make this request as difficult as possible.
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : XXXX  {$8700.00} Opened XXXX, XXXX XXXX XXXX XXXX {$4800.00} Opened XXXX XXXX XXXX  I did not make the charges listed above. I request that you remove all fraudulent charges and any related fees, send me an updated and accurate statement, and close the account. I also request that you stop reporting the inaccurate information to credit bureaus. 
I have enclosed my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent items related to your company. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when providing information to credit bureaus.

The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent d Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Debts to another party for collection.

Please investigate this matter and send me a written explanation of your findings and actions. Sincerely,
Consumer complaint received 2020-02-03
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)

Appeal cfpb Re Experian continual changing of my US LEGAL NAME on my credit reports Experian has changed or is using 7 numerous SEPERATE reported Names ON SEPERATE CREDIT REPORTS to report SEPERATE DIFFERENT credit history all contain fraud information I was sent a new name credit report dated XX/XX/XXXX with a name XXXX XXXX XXXX XXXX XXXX as per attached screenshot report # XXXX Less than 30 days prior they reported me as XXXX XXXX XXXX XXXX XXXX XXXX report # XXXX REPORTING a fraud address of XXXX XXXX XXXX XXXX Virginia ... being added after I put a XX/XX/XXXX freeze on my credit reports thru XXXX identity theft protection services online.. 
And then XXXX XXXX XXXX XXXX via email listed as EXPERIAN And then XXXX XXXX email from USA experian support email as XXXX XXXX XXXX XXXX XXXX with a membership ID # XXXX account thru experian basic credit works company email  XXXX XXXX - ( XXXX ) XXXX XXXX report # XXXX on XXXX XXXX XXXX dispute XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX report # XXXX that I pulled after being denied a loan due to my identity theft registered with the FTC and reported identity theft and fraud activities in my names addresses phone and SSN # as per experian documents in XXXX.
Consumer complaint received 2019-02-19
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. (IL)

Equifax 's failure to produce any legal evidence or verification for the alleged debts, and is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''. Equifax & its actors willful behavior of discharging its duties to correct itself and the record after prior attempts were properly made.
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I received many calls from a student loan company asking me for money. I never went to school, so I was confused on what was happening. I then pulled my credit on my own and I saw several student loans and other items on my report that are not mine. Please get the fraudulent items off my report. 

XXXX XXXX XXXX {$550.00} DEPTEDXXXX XXXX {$1600.00} XXXX  XXXX XXXX {$440.00} DEPTEDXXXX  XXXX {$4500.00} US DEPT ED XXXX {$7800.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$330.00}
Consumer complaint received 2020-02-03
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: JPMORGAN CHASE & CO. (OH)

I attempted to make a purchase for a flight via XXXX, an airline ticketing service, on XX/XX/2019. The tickets were for a round trip from XXXX to XXXX. I was charged {$2800.00} to my Chase credit card. I then attempted to change my flight times through the company XXXX within 24 hours. They told me I could only change it with a fee. Additionally, they told me after I made the purchase that the tickets were non-refundable. So I was left with only two options according to them. We ultimately decided to keep the initial flight times to avoid any further fees. However, I never received my tickets from XXXX. Despite my repeated communications with the company I was never issued a boarding pass or any additional information about the purchased tickets. I then filed a complaint with Chase Bank and they sided with the airline because of XXXX policy of a non-refundable ticket. However, Chase has completely missed the point that I never received any tickets. I am requesting a refund of the purchase  price and all interest accrued thereof. Please read the uploaded document " Chase Letter '' for a detailed breakdown of what occurred.