davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
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: Experian Information Solutions Inc. (CT)

XXXX Account XXXX XXXX is reporting as an delinquent account across all three of my credit bureaus which is inaccurately reporting as all my payments for this account has been on time and there were never any late payments. As a result, of this I closed the account because of the inaccurate information they were reporting to the credit bureaus and these false representations of a delinquent account severely hurt my credit score. I am in the process of going for an mortgage loan in which this issue from the past is continuing to haunt me which is inaccurate and I need this fixed. See attached documentation.
Consumer complaint received 2019-01-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation (NM)

The company ( XXXX XXXX has called me excessively after one missed payment for an entire week. I have either answered when they called or called back immediately. Therefore, no lapse in contact has been made. Unfortunately, the agent and manager at the office have began calling my references, as if they have not made contact with me. I explained to the manager XXXX  that she was in violation of the regulations set in place. She accused me of yelling while on speaker phone, to which I explained I wasnt yelling and my being on speaker phone was entirely at her discretion as manager. She proceeded to hang up on me and when I called her back to reiterate the fact that they should not be calling my references due to our continual contact she refused to acknowledge the phone calls were being made and bid me good day.

The amount due is less than {$500.00} and the due date is the XXXX  of every month.

I believe the agreement was 10 payments of {$96.00} which Ive complete approximately 4 before the due date.

Dates of contact : XX/XX/2019 @ XXXX mountain time ( made contact ) XX/XX/2019 @ XXXX mountain time ( made contact ) XX/XX/2019 @ XXXX mountain time ( missed call ) XX/XX/2019@ XXXX   mountain time ( received text from sister that she had been contacted by XXXX XXXX ) XX/XX/2019 @ XXXX mountain time ( hung up on by manager XXXX  ) XX/XX/2019 @ XXXX   mountain time ( I called back to reiterate the violations ) **** times reflected on call log are pacific time
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (IA)

I first wrote a letter to all credit bureaus back in XX/XX/XXXX, the wrote back saying all the information on my report were correct. I called on XX/XX/XXXX to dispute the items on my credit report, it was " fixed '' the wrong names was still showing when I asked them to remove it and only shows the correct information, as well as other collections that should've been removed. One rep even told me they can not delete my address because " it part of my history ''. my address is not public record for others to see. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 
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
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I AM WRITING TODAY IN REFERENCE TO SEVERAL FRAUDULENT ACCOUNTS, UNAUTHORIZED HARD INQUIRES, AND INCORRECT PERSONAL INFORMATION THAT KEEP APPEARING ON MY CREDIT REPORT. THESE THINGS DO NOT BELONG TO ME AND SHOULD NOT BE SHOWING UP AGAINST ME. I DEMAND THAT THEY BE REMOVED IMMEDIATLEY. THIS IS THE SECOND TIME THAT I'VE WRITTEN YOU REQUESTING A 'PROOF OF CONTRACT FROM THE CREDIT BUREAUS AND THE COMPANIES LISTED IN MY IDENTITY THEFT REPORT AFFIDAVIT. MORE THAN 30 DAYS AGO I WROTE AND REQUESTED "PROOF" OF THE ORIGINAL CONTRACT WHICH CONTAINS MY SIGNATURE IN REGARDS TO THESE FRAUDULENT ACCOUNTS TO THE CREDIT BUREAUS. THE CREDIT BUREAUS NEVER PROVIDED ME WITH ANY PROOF THAT A CONTRACT EXIST, NOR DID THEY RESPOND BACK TO ME.

TransUnion
FARUDULENT AND UNKNOWN ACCOUNTS XXXX XXXX XXXX XXXX, date opened XXXX, balance XXXX, XXXX XXXX XXXX, acc # XXXX, date
opened XXXX, balance XXXX XXXX XXXX XXXX., acc# XXXX, date opened XXXX, balance XXXX XXXX XXXX XXXX, Acc# XXXX, date opened XXXX, balance XXXX, XXXX XXXX XXXX, acc# XXXX.
date opened XXXX, balance XXXX
UNAUTHORIZED HARD INQUIRES
XXXX XXXX, date opened XXXX XXXX XXXX XXXX
.FRAUDULENT ACCOUNT'S
XXXX XXXX XXXX acc # XXXX, date opened, XXXX XXXX XXXX, balance XXXX, XXXX XXXX XXXX,
acc # XXXX, date opened, XXXX XXXX XXXX, balance XXXX, XXXX XXXX XXXX, acc # XXXX, date
opened, XXXX XXXX XXXX, balance XXXX, XXXX XXXX XXXX, acc # XXXX, date opened XXXX XXXX XXXX,
balance XXXX  FRAUDULENT HARD INQUIRES XXXX, date opened XXXX XXXX XXXX XXXX  FRAUDULENT ACCOUNTS
XXXX, acc# XXXX, date opened XXXX, balance XXXX, XXXX XXXX XXXX, acc# XXXX,
date opened XXXX, balance XXXX, XXXX XXXX XXXX acc# XXXX, date opened XXXX, balance
XXXX, XXXX XXXX XXXX, acc# XXXX, date opened XXXX, balance XXXX, XXXX XXXX XXXX, acc#
XXXX, date opened XXXX, balance XXXX, XXXX XXXX, acc# XXXX, date opened XXXX, balance XXXX
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$2100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$800.00} ; Medical XXXX Balance : {$43.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-12-14
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 appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 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 If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

The amazon credit card, Synchrony Bank, site failed to indicate a prior payment on the credit card balance allowing an over-payment of over {$2000.00} on Friday XX/XX/2021. I called on Monday XX/XX/XXXX and spoke to their customer support requesting a refund of the over-payment. I was told they would only issue a check and I insisted that I didn't want a check coming to my address and wanted a credit back to my bank. A supervisor instructed me to FAX in a screenshot of my bank register showing the transaction. I indicated that it was showing processing and he told me it was fine, just fax it to them at XXXX XXXX XXXX XXXX. I had to sign up for an online fax service to send them the fax because they wouldn't accept an email. I tried calling to verify they received the fax and was told it was being processed. The next day I received a call stating that they needed a copy showing the transaction was processed. After explaining that I was told what I sent was acceptable they insisted on a new screenshot showing it processed even though the EFT has cleared on their side. I sent another screen shot showing the cleared transaction on the register and again had to call to verify that they received it. After calling again on Wednesday XX/XX/XXXX and being hung up on and having to call back ; I spoke to a supervisor, XXXX ID : XXXX, and was now being told I have to submit yet another screenshot showing my bank account balance with the funds removed. They have NO knowledge of the balance prior to the transaction nor did they request it in either of the prior two requests. I insisted that I followed their requests twice now and that the EFT has been complete on both sides and is now over 5 days since the EFT but was denied the credit back to the account once again. They have now delayed returning the funds as requested and following their request twice for information. They are refusing to refund the over-payment without the new screenshot that I feel is unnecessary as they continue to delay the refund.
Consumer complaint received 2022-10-12
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4200.00} ; US DEPT ED XXXX Balance XXXX {$17000.00} ; US DEPT ED XXXX Balance : {$9400.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016.
Consumer complaint received 2024-10-31
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. (FL)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2022-07-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ACOPIA CAPITAL GROUP (TN)

I gave all of the information for my application over the phone on XX/XX/2022 that same day the XXXX XXXX XXXX with Accurate Mortgage XXXX TN, called back and told me the interest rate was 5.5 % she gave me the payment amount of {$2200.00} and closing cost were {$11000.00}. I told her to lock the rate and that Id like to proceed. On the XXXX I asked here where the XXXX was, that I hadnt seen it yet, she told me since I hadnt give her the real estate contract she hadnt locked it in. She then told me the rate went up and the payment would be higher. I then asked to speak with her manager and told him that I knew the laws and that I was entitled to an XXXX and the rate she quoted me. He then said he could lock the rate as it was at XXXX so I said ok. When he sent the XXXX the closing costs went up to {$17000.00} and they want me to sign the application dated XX/XX/2022. XXXX not comfortable signing an application dated 11 days after my application was taken and feel like Im being asked to lie to cover up their lack of compliance with TRID-RESPA. I finally received an XXXX  by email today Monday XX/XX/2022.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

i have 2 credit card through XXXX XXXX XXXX for some reason my card ending in XXXX all 3 credit report agenceys are reporting it closed but its not closed i have spoke with XXXX XXXX customer service rep at XXXX XXXX XXXX and she has tried fixing it but its keeps reporting as closed the account is not closed.
Consumer complaint received 2022-01-05
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. (FL)

This account is inaccurate and an FCRA violation. XXXX. XXXX XXXX # XXXX I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights. Please honor all request of documentation.
Consumer complaint received 2022-10-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (UT)

I applied for a mortgage loan with my Boyfriend. We went through all the steps of underwriting, They had numerous approvals asking for some clarification or additional information, which we provided. On the last and final item the Underwriter asked for ( Bank statements for the previous 3 months showing that my pay-check went into the bank account ) I supplied more than the months requested along with the company payroll summary showing each pay-check and the Net amount of each check which lined up exactly with the supplied bank statements.

The underwriter then turns down my loan because he says I am married! I am NOT Married, I am single and Utah is not a community property state. The Underwriter waited until my earnest money was not refundable and I was set to close to make up that I am married. 

I took additional classes and training to be able to secure a good, salaried job and once completed I got a promotion. 

I have found out that the lender also completed a XXXX stating false reasons for his turndown and again making a false claim that I was married to owner of the company I work for.
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (TX)

I was shocked when reviewing my credit report and found late payments on the date below : 30 days late as of XX/XX/2019 and 30 days XX/XX/ 2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statements did not get to me.
Consumer complaint received 2021-12-28
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. (NY)

I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. 
I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Health Ctr. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.
Consumer complaint received 2022-05-18
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: EQUIFAX, INC. (OH)

Noticed an account on my credit report that I did not create or apply for. I was notified by state of OHIO previously that my personal information has been breached. I filed a police report. The account IN QUESTION that I did not open was not showing up on my XXXX or other reports at this time. Recently, I noticed the XXXX  account ADRESS XXXX XXXX XXXX XXXX XXXX XXXX, CA PHONE NUMBER XXXX on my XXXX report and immediately notified the Credit reporting agency that this is not my account and I believe it to be a scam and or fraud. The XXXX Credit firm has refused to remove this from my report even after submission of several disputes : ID THEFT PO REPORTS, CFPB COMPLAINTS FILED, FTC ID THEFT REPORTS, and several more phone calls to the Credit bureau. I asked XXXX to provide documentation, signatures, proof and they said that they do not do that AND THAT only there back office has that information.
Consumer complaint received 2021-12-28
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX A ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2022-07-25
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. (CA)

Since XXXX, Experian has ignored and dismissed my letters of disputes regarding numerous credit inquiries on my report. In XX/XX/XXXX, I contacted Experian regarding 3 inquiries by XXXX, for the dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Experian refused to remove those three inquiries and kept my file unlocked. Recently I had 3 more inquiries posted to my report that dont belong to me. The first is by XXXX XXXX, posted on XX/XX/XXXX, followed by Experian Business Credit on XX/XX/XXXX, and lastly XXXX on XX/XX/XXXX. In total this makes five unauthorized inquiries on my credit report where someone is attempting to obtain lines of credit using my information. Experian has been reckless and continues to post this fraudulent information on my file. They have refused to lock my file upon my request if these five inquiries arent removed, I will proceed with legal action against Experian.
Consumer complaint received 2022-05-20
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: TRUIST FINANCIAL CORPORATION (FL)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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
Consumer complaint received 2021-12-28
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. (CA)

1-This company called ( XXXX ) is involved in reporting erroneous information about me to experian at the status level where they write : XXXX. 
For recall, the account was settled and paid therefore the status shouldn't be charge-off anymore. 
I have attached proof of settlement and paid off on my complaint. 

2-This company ( XXXX ) is also reporting wrong address information about me.