davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (TX)

Hello, I have tried to log into XXXX but continue to get an error message. However, I am able to pull up my free credit report from XXXX. After making a payment of {$10000.00} to my loan servicer ( formerly XXXX ) in XXXX, I monitored my credit for changes. I didn't see any changes that concerned me. After a refund was requested on the {$10000.00} payment to Mohela ( formerly XXXX ), my loan servicer, in XX/XX/XXXX, my once Excellent credit score dropped about XXXX points ( formerly XXXX but it used to be higher however the credit health function on the XXXX XXXX website does not let me view beyond 1 year ). While XXXX XXXX had a note that this was due to a balance increase, I was never provided documentation from either XXXX or XXXX detailing why it dropped so much upon request. From my understanding, the payment history has the highest impact and I have never missed a payment according to my credit report ( see attachment ). I reviewed my financial history and credit report and I have reason to believe that my loan servicer did not provide accurate information to XXXX or XXXX which resulted in a drastic decrease to my XXXX score. As of XXXXXXXX XXXX XXXXXXXX, my loans have been paid in full and this is still not reflected in my recent credit report and my credit score has never returned to what it was before. I would like to request an investigation or a detailed explanation as to why, without a history of missed payments, my credit score has decreased drastically. I understand the balance increase after the refund was requested, but from my understanding, a balance increase only temporarily decreases your XXXX score and is not considered as high impact as missed payments.
Consumer complaint received 2022-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (TX)

I spoke/written/emailed all the companies regarding the debt with XXXXXXXX XXXX XXXX XXXX XX/XX/20 I had called XXXX XXXX XXXX and attempted many times to get this account removed and was told by an employee I would have to come inside to cancel, which I am unable to because I live in a different city. 

Later that year when I called and spoke with someone from the gym they said it wasnt an issue and helped me cancel the account over the phone and sent a confirmation/cancellation letter showing a {$0.00} balance. 

They ( XXXX XXXX ) said they were putting an email through to have my fees waived. As I have not been living in the city for over a year and I had the letter. 

Then I received an email from XXXX, I wrote them a letter ( I completed the letter within the timeframe ) and provided the proof for cancellation and debt. 

They continue to hold the debt. 

I have sent letters/emails to all companies with the cancellation letter provided.
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (KY)

My bank debit card was stolen last night. I contacted my bank and they told me that over {$500.00} was taken out through cash app. Thats all my bank could see. I contacted Cash App and they told me that, since there is no transactions of it in my account, that XXXX XXXX stole my debit card and hooked it up to their own Cash App account. I asked why didnt it flag the name being different? Why didnt it ask them to verify the ATM pin linked to my car. Even the gas station verifies pins at the tank. Over {$300.00} stolen in my state is a felony. So these people committed a felony and currently has my debit card. And they wont even tell me who currently has MY debit card linked to their account so I can tell the police. I asked to speak to a supervisor because this is about illegal activity and doesnt follow their usual standards, and they told me that no manager was available. So I told them I would continue to wait on hold until one is available to talk to. And she said that is not an option that they will email me. I asked for a time estimate as this is important to me. She said there is no time estimate. It could be somebody I know stealing money from me, they could be putting me in a dangerous situation withholding this information about a literal felon, that probably is an experienced scammer, and knows that cash app doesnt help with fraud much at all so he or she probably knows to steal cards and hook them up to their own account and its still doing it out here today because they havent been caught because of cash app. They dont even care enough about their customers to even make them verify what card is being put on to their account.
Consumer complaint received 2022-04-14
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I was a renting an apartment. My lease ran out. 2 differnt groups bought the apartment complex after my lease was up. I had no problems until I was late on payment 1 time by 3 days. Apon getting the notification I payed in full with all late fees. After I recevied a XXXX dollor late fee notice. The next month i recived a {$140.00} late fee notice, a letter that said I owed the previous company, then a letter saying i had no lease, and several illegal threats of eviction. I asked for proof of me owing the previous company, they sent their ledger which started with a late charge and no explination why. It had several mathmatical errors. I sent back a list of errors. They then falsafied the ledger to try to hide their attempted fraud. I had enough moved out, turned in keys. Two months later they called and threatened to evict me however i didnt live their for two months. I then attempted to talk it out over email with them. They figured out I was documenting there illegal acts and refused to talk to me. This company usally takes people to court, however in my case since I have evidence of their fraud and it would cost me more to take them to court than the debt itself, they used the XXXX credit bureaus as their fraud enforcement. I have submitted enough evidence to prove what I have said, and even gottin a letter from them saying that the colloecter can not prove im incorrect, however they are more than happy to remain as fraud enforcement lackys. So i guess if you want to defraud someone just open an llc, make false ledgers, then sell your false ledgers to a debt collector and the credit bureau XXXX will back you.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.
Consumer complaint received 2022-04-11
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. (NY)

EXPERIAN, Unlawfully Provided My Credit Report to a Third Party Without My Permission... Which has my Private and Personal Information ... I have a Letter Fron Such Party stating Experian Provided my Credit Report to Them. By Law Experian is in Violation a per FCRA Codified at 15 USC 1681 ( b ) ( a ) ( 3 ) ( f ) ( i ) I am Settling your Civil Liability Damages for {$1000.00} Pursuant to FCRA Violation 616 ( a ) ( 1 ) ( b ) 15 USC 1681 ( N ).
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I was completely taken aback this morning to see inaccurate accounts on my credit report with no explanation. I routinely check my report, but this time, there were unexpected discrepancies. I even refreshed my browser, hoping it was a temporary glitch, but the errors remained. This whole experience has left me feeling uneasy, and Im requesting a thorough review of my submitted documents to ensure I never have to deal with this again.
Consumer complaint received 2024-12-08
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

I tried to find balance on card through their website XXXX It gave an error and told me to call them. 
I called them and they wanted me to fax or paper mail them my govt id and gift card to be able to use the card. 
There is no such requirement on the card. They are doing it on purpose so that most people would give up and leave the balance. 
This is theft plain and simple.
Consumer complaint received 2022-04-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (MI)

I have had the vehicle for 5 years and the principal balance was {$15000.00}. I pay XXXX XXXX monthly. However they have been applying my payments of {$400.00} towards interest instead my principal balance. I still owe over {$10000.00}. I am facing financial hardships and they are threatening to repossess my vehicle. My child was diagnosed with XXXX recently and I need my vehicle to get her back and forth to therapy.
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANCORP (CA)

Applied online and approved for a credit card on XX/XX/23. Immediately called US Bank to ask if it was possible to have the card shipped with expedited shipping ( i.e. next-day ) as I have an international trip next week. Customer service said no, then proceeded to say " Not to call you out or anything, but why would you apply for a card knowing you are going on a trip next week? '' In my view, a trip is a perfectly valid reason to obtain a credit card due to some spending. 

I have not had issues with other card issuers such as XXXX XXXX and XXXX getting a card shipped next-day to have in hand, even internationally. Disappointed in this as my first experience with US Bank. Recommend they provide this as an option moving forward to consumers to remain competitive.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to formally request the blocking and deletion of a fraudulent account and unauthorized inquiries on my credit report, as I am a victim of identity theft. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my right to request the removal of this unauthorized information. 
Fraudulent Account : XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Balance : {$160.00} Unauthorized Inquiries : XXXX. XXXXXXXX XXXX XXXXXX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> 2024
Consumer complaint received 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (LA)

I do not now nor have I ever had a contract with Midland Funding and these clowns are trying to make me pat money I do not owe! 
It was removed from my XXXX credit report but still remains on the other two. This is outrageous and a violation of my rights under the FCRA.
Consumer complaint received 2023-08-08
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. (IA)

The following hard inquiries currently listed and showing on my XXXX XXXX, XXXX and Equifax credit report are the result of identity theft : 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 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-12-11
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV INC. (CA)

I tried several times to access my Money Network card account online. I called only to discover that my card had been compromised. Someone had changed the email/phone on my account and was spending the money. I was given a partial accounting and only discovered that when I was given the new card, with a much smaller balance than expected. I had already filed a dispute for the transactions I was told about. They neglected to give a full accounting and now say they can not access my account and that I don't even show up in their system. I am currently missing {$600.00} This is an incompetent and non-secure system. They should not have the government account. I previously had a card from XXXX and never worried about the card constantly being hacked. 
Regarding the dispute, they said that the transactions had digital validation and that I could see the documentation used to make this determination. They claim now that I have no account and there is no information for them to share. They have given me a number that goes back to a general EDD number that has nothing to do with the credit card. They claim to have no record of an account. Even claiming that they have no information for the new card, even though this is the same number I used to begin the dispute over 2 months ago.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

on XX/XX/2015 the following addresses are not deliverable to be by the us post office and they are not reportable as per fcra since they are inaccuarte. the following addresses mujst be recomved immediatley as following XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX FL XXXX .... THER CREDIT AGENCY EXPERIAN is reporting FALSE INACCURATE ADDRESSES...
Consumer complaint received 2024-11-01
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. (SC)

I am writing to formally dispute an error on my XXXX credit report related to my account with XXXX XXXX XXXX, which is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. This error has incorrectly impacted my credit profile and caused undue harm, and I demand immediate rectification. 

Despite my consistent payment history and the fact that XXXX and Equifax accurately reflect my account status as " Paid as Agreed, '' XXXX continues to report this account inaccurately. I have never missed a payment with XXXX XXXX XXXX, and this misinformation is not only erroneous but also a clear violation of my rights under federal law. Under the FCRA, credit reporting agencies are required to ensure maximum accuracy ( 15 U.S.C. 1681e ( b ) ), and XXXX has failed to meet this standard. 

This inaccurate reporting has caused significant frustration and potential financial harm, impacting my credit score and reputation unfairly. I am requesting that XXXX immediately update my credit report to reflect the correct account status of Paid as Agreed, Never Late ( PAANL ). XXXX continued reporting of this account inaccurately is not only in direct violation of the FCRA but also constitutes a breach of my rights under the U.S. Code. 

Furthermore, I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and hold XXXX accountable for failing to uphold the FCRAs standards. This discrepancy on my report is unacceptable and must be corrected without delay to prevent further harm. If immediate action is not taken, I am prepared to escalate this matter further, as I have every intention of enforcing my rights under the law. 

Please confirm in writing that XXXX has updated my report to reflect the accurate account status. I request a resolution of this matter within the 30-day period stipulated by the FCRA for consumer disputes.
Consumer complaint received 2023-02-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC (AZ)

On XX/XX/2022, mortgage documents were executed with Lennar Mortgage/Lennar Homes . We were deceived by the product and community promised by Lennar Mortgage/Lennar Homes . The actions of Lennar Mortgage/Lennar Homes are depreciating our home value and that of every owner here. They have violated State of Arizona and Federal Consumer Protection Laws. 

# 1 - Fire Codes : Lennar did not disclose to us as buyers the red paint and stencil now painted throughout the community. They did not disclose to us as buyers the fire authoritys requested monument or commercial-like design of this monument in scale and appearance for planned install at the front of the community by our main amenity ( playground ), which is shared by both condo owners ( 138 ) and single-family owners ( 181 ) within XXXX [ one gated community ]. Lennar did not request any kind of exception to fire signage from the fire authority ( e.g. one side of the street vs both sides ). They installed excessive fire signage ( closer than the required 75 ) throughout the community unlike any other community in the county including those built by them also. Lennar did not disclose the option for fire stencil on the backflow units at the front entrance of the community. They instead installed signage negatively impacting the landscaped area and overall appearance of the main entrance/exit road to/from the condos. All changes to the community referenced above were done under Lennars easement rights following completion of construction. These changes have fundamentally changed the look and feel of the community in a manner that was deceptive. Many homeowners like myself have stated they would not have bought their condos with the community showing as negatively as it does now. 

# 2- Other Deceptive Practices : Lennar did not clean streets of construction debris, dirt and markings as promised XX/XX/2022. They did not resurface or seal streets as promised following completion of construction XX/XX/2022. They did not turn over final landscape area acceptably at the front entrance/exit road of the condos.

# 3 - Easement Damages following completion of construction : Damages to landscape by Lennars landscape contractor. Damages to landscape and underground landscape water lines ( additional impacts to underground utilities not yet known ). Concrete over-poured above ground on many signs. Concrete repair areas left unrestored to their original state. Front pavers left for obvious repair and burden of work passed to the maintenance-responsible association.
Consumer complaint received 2024-11-01
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 not liable for this debt with XXXX XXXX. ( account # Account number XXXX as I have previously filed a complaint with Federal Trade Commission and Consumer Financial Protection Bureau due to Identity Theft because of Data breach. XXXXXXXX XXXX has reported collection on my credit report # Account number XXXX OPENED ON XX/XX/year> XXXX XXXX XXXX Account ending XXXX I DO NOT HAVE ANY CONTRACT WITH XXXX XXXX XXXX NITHER DID THEY PROVIDE ME WITH any Original contract with my signature on it with their COMPANY. PLEASE SEE ATTACHMENTS : REPORT FILED WITH FTC and I have also filed a complaint against them on XXXX
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (IL)

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CBNA, Inquiry : XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Consumer complaint received 2024-10-31
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. (GA)

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 and The Family Educational Rights and Privacy Act ( FERPA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 


XXXX XXXX. XXXX ( A ) ( XXXX ) 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. 

The Family Educational Rights and Privacy Act ( FERPA )