davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-19
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: EQUIFAX, INC. (SC)

Equifax refuses to disclose my free credit report to me without my sending them my driver 's license and social security card copies through US mail to their XXXX office. The other credit reporting agencies ( XXXX   and XXXX  ) released my reports online through their website. After several attempts of calls of providing who I am, Equifax will not even tell me why they won't give me the report unless they have my license and SS mailed to them. What I am failing to understand is how does this help them to mail me my credit report back through US mail? 
I applied for a car loan in XXXX and Equifax yielded an extremely low score when my FICO is over 740. This caused me to get a high interest rate. I am asking for my credit report to see what the problem is, and I would like it to be adjusted. I had a credit card stolen in XX/XX/2018 and I was issued a new one, paying on time for 3 months now. Auto lender said this could have been a problem with Equifax. 
My bank said my new credit card has been recording all of my payments on time and there has been no negative issue with my credit.
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

XXXX, TransUnion, and XXXX need to remove the collection account for XXXX XXXX XXXX. 

I have submitted a dispute on my credit file because this debt is not valid. The original creditor can not provide the fully executed contract and refuses to provide proof that they cancelled the account was cancelled by the business. 

This is a dispute that would need to be settled by the fact-finding process of the civil court system. It is not fair for the creditor and the credit bureaus to hold my credit report XXXX without sufficient evidence of this debt. The creditor did not allow me the process to dispute the debt by providing full documentation. 

Since the creditor is unable to provide a fully executed and valid contract, the file should be removed from my report.
Consumer complaint received 2022-07-23
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. (FL)

It has been a battle going through this and I am writing to delete the following fraudulent items in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged : XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX US SM BUS ADMIN ODA Inquiries Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX. showing on my credit report. I, therefore, request that you immediately remove this items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
Consumer complaint received 2020-10-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

On XX/XX/2020, I received a notice on my credit report that I owed {$2000.00} to Phoenix Financial Service. Original date was XX/XX/2020. Due to my XXXX I often XXXX  at work, or was XXXX or XXXX, and would be taken to the hospital without my consent
Consumer complaint received 2022-07-23
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. (FL)

I am submitting this complaint in regards to the inaccurate and unknown things on my credit report. I was never late on these accounts. There are multiple errors shown in my report. Please check the date reported, date of last payment, etc. These are a good standing accounts. Please verify that all information are 100 percent true, accurate, correct, and not unverifiable, incomplete, or inaccurate. Please correct and update these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$43000.00}.
Consumer complaint received 2019-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (PA)

3 years ago we were informed we needed flood insurance by our mortgage company because FEMA redrew the flood maps and a fraction of the home, built in XX/XX/1955, and maybe 25 % of the property, is now in the area where we are deemed to have a 1 % chance of flood damage in 100 years. Our mortgage payments had been set up as a reminder on our checking account, I do not write a physical check, so I did not review the monthly statements. We started to receive threatening notices about the need for insurance and a clause in the law that says the mortgage company can force the homeowner to pay into this escrow account and they would purchase the insurance for us, with a warning that their rates may be higher. After several months of threats, and no progress when contacting Chase Morgan, we obtained Flood Insurance from XXXX for about {$500.00}. They kept trying to collect {$4000.00} in escrow. 
Again, this year, same thing. They never sent the escrow that had been collected to us to pay the current year flood insurance, which ran over {$600.00} this year, yet they are still trying to collect {$2500.00} in escrow. Now they are threatening with : 1 ) adding the escrow due back onto our principal, 2 ) putting our loan into collections, 3 ) even though the flood insurance has been paid, force us into insurance from a company they control. 
Flood insurance is only available from FEMA, they should ALL have the same rates, yet their insurance company quotes over 3 times the XXXX rate. We have done an elevation certification, to show the map FEMA used was inaccurate, and out of date, trying to get a variance from FEMA so we would be exempt from the insurance.
Consumer complaint received 2018-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I recently upgraded my XXXX Amex card to the XXXX XXXX   card, with the understanding that I was eligible to receive XXXX promotional points for meeting spend requirements within the first three months of the upgrade. I exceeded the soend requirements within a month of the upgrade. When I called to confirm, Amex initially told me that I should wait 6-8 weeks for the points to show, but that I was eligible to earn the points. After waiting as I was told, I have still not received my promotional points. When contacting Amex customer service, I was given the runaround and told that a ) no promotional bonus was attached to my account and b ) that I should wait another 6-8 weeks for the team to investigate. It has been over 10 weeks since the initial inquiry, and I still have not received my promotional points despite having hit all spend requirements and paid for all annual fees/payments on time.
Consumer complaint received 2022-09-26
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. (FL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year XXXX XXXX  PLEASE HELP ME PLEASE im XXXXXXXX  now.with no help.
Consumer complaint received 2021-11-16
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: Bread Financial Holdings, Inc. (TX)

I seen an inquire on my credit report and i did not request it. I requested removal on XX/XX/XXXX and was told it would be from company and it was not.
Consumer complaint received 2022-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Scott Fetzer Financial Group Inc. (TX)

I am a natural consumer. I am protected by the consumer laws. Over the past 6 years, I have continuously disputed this account with the credit bureaus and the company itself. This account does not belong to me and over the years it has been reporting differently across the credit bureaus.I want it removed immediately from all consumer reporting agencies. It went from closed, paid charge-off in 2016 to having a balance and now it says paid by original creditor. The original balance has changed numerous times over the years.The date opened has changed over the years as well. The biggest issue is that they are maliciously updating the account every month as a charge-off which directly effects my credit score. I was denied a loan because they said I have recent charge-offs on my account. A charge-off can only be charged off 1 time. If the account was allegedly belonging to me, why would the original creditor pay it off? Something isn't adding up. It was never my account to start with. I was denied a loan because they said I have recent charge-offs on my account. I have filed a FTC identity theft report and would appreciate some assistance with this account. It has been a long 6.5 years of nothing but frustration and denials. PLEAE HELP ME GET THIS ACCOUNT REMOVED FROM ALL REPORTING AGENCIES. ENOUGH IS ENOUGH!!!
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Automatic Data Processing, Inc. (MD)

My payroll check is deposited into this account. On XX/XX/XXXX XXXX XXXX tickets were purchased using my card totaling over {$4800.00}. There would be no reason for me to make such a large purchase as my tickets are discounted at a very low rate to free. I called XXXX  ADP/ XXXX  XXXX  to file a complaint XX/XX/XXXX and was told it would take 90days to complete. At the end of their investigation I was told no error was committed and that I wouldnt receive a refund. I did not make the purchase. XXXX said its a bank issue and no one will provide me with any information on where the tickets. My account was hacked. Fraud was committed Id like my money back from these people.
Consumer complaint received 2019-03-18
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)

To whom it may consern : This is my second written request for your company to remove items showing on my credit report and you keep ignoring my request to block such information, onder FCRA your company has to provide verifiable proof of this item or remove them from my credit, There is a public record that do not belong to my, it should be remove as well as any account link to it .As victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great  damage to my ability to get a better job as well as get fundig .Please remove this item from my credit report, an FTC and a police report had been filed, they will be attach to this complaint. 
This complaint may serve as a proof in a court of law, as a written request to remove this items.
Consumer complaint received 2024-09-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: MORTGAGE SOLUTIONS OF COLORADO (PA)

Over the past 11 months MSF Servicing has misapplied at least on 3 occasions my bi-weekly payments. They have at least 3 times tried to state that I owed them more money and have recently in XXXX showed me being more than 45 days late when I have faithfully every 2 weeks made my payments to them. I have spent countless hours on the phone and sending emails as such and they never have the answer or ever call me back. The customer service team tells me they can't do anything & it has to go to management & that they will have someone call me which NEVER happens. All of bank statements are attached to prove my case.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

As I am looking at my consumer report. I see that Equifax has not only failed to do an accurate investigation but they have also not responded to my request of method of verification that I asked for regarding accounts : XXXX XXXX XXXX XXXX XXXX XXXX : Date Opened : XX/XX/2023 Current Status : Open : XXXX  XXXX XXXX late payment XXXX. XXXX XXXX  Acct # XXXX XXXX. XXXX of XXXX XXXX Acct # XXXX is reporting a XXXX, XXXX, XXXX, and ND ( No data for this period ) delinquency late payment ( XXXX ). XXXX XXXX  XXXX XXXX  Account # : XXXX status : Derogatory/Charge off XXXX XXXX  XXXX XXXX  Account # : XXXX Account status : Derogatory/Charge off. Not only did I request that but they did not warn me ahead of time that they were going to report this and I did not give them written or expressed consent to do so. They are violating my consumer rights and SO MANY levels. They are failing to accurately report information on my consumer report and everything that is inaccurate will now be listed and shown since they did not do their job. Due to the fact that these accounts were not corrected, they violate FCRA and they are in violation of the law. These violations include but are not limited to : 15 U.S. Code 1681b 15 U.S. Code 1681o 15 U.S. Code 1681i ( 5 ) ( A ) 15 U.S. Code 1681g 15 U.S. Code 1681r 15 U.S. Code 1681q I am frustrated because these accounts that should have been removed are impacting my life. Below are the damages done by not having correct information on my consumer report. Below are the damages done by not having correct information on my consumer report.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX # XXXX 30 days late in XX/XX/XXXX, XXXX XXXX 60 dyas in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2022-04-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC. (MD)

Ally repossessed my car XX/XX/XXXX. In order to retrieve my vehicle, I was told to pay {$11000.00}, to an account at XXXX. XXXX which I did on XX/XX/XXXX. I was given incorrect account information by XXXX, the representative. So basically my money is missing, Ally nor XXXX. XXXX will help resolve the issue and every one points the finger at one another. My bank XXXX has reacted out to both Ally and XXXX XXXX several times, sent the forms needed to place the funds in the correct account but they both are unresponsive. I sent several emails to corporate and finally XXXX called from Ally Financial. She assured me she would investigate, and keep in touch but I havent heard from her in over a week with at least an update. Ive left give messages this week for her. At this point, I feel like they stole the money.
Consumer complaint received 2022-04-06
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help