davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Zenith Financial (CA)

according to the Zenith Financial group advertisements on the radio ( XXXX community ), I decided to go to Zenith XXXX to fix my credit, on XX/XX/year> personally visit this company and talked to the management there, XXXX XXXX, ( who always speaks in on XXXX radios ) and sing the contract, I was supposed to pay the company {$400.00} a month and they will start repairing my credit. After 6 months, there was no change in my credit. They didn't even show me a letter that said anything in My credit has changed. After 6 months we tried ( my husband and I ) contact them several times over the phone for ask them any documents to show that my credit has repaid or changed but unfortunately they did not show me anything until we went to the company 's office with my husband We talked again with the manager there, XXXX XXXX, and it was agreed that if we could personally talk to one or two companies that we had talked to before, it would help the company to repair my credit as soon as possible, and he promised us to give us results at least one document or any result next 3-4 weeks. 
Unfortunately after a month, there would be no show me any documents to change in my credit. It didn't work for me and I sent an email to the company to asking them to please stop fixing my credit because I haven't seen any results after 6 months Unfortunately today I found out that this company has given me to collection I am victim on that company they knows I had bad situation bad XXXX this company give me hardship and stress They lied to me just get {$400.00} each months for nothing
Consumer complaint received 2023-07-31
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. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (IL)

OnXX/XX/XXXXI acquired a HELOC in the amount $XXXX from BMO Harris bank to buy a property. When I applied for the loan the loan officer failed to provide me with my credit score. I believe I had a good credit score to qualify for a lower interest rate on may loan. I believe that the loan office abused my lack of knowledge of my credit score and sold me a predatory loan. I commenced paying on the loan for five years and the principle amount never decreased. Later on I found out I was only paying interest only. The terms were never explained to me and were very obscured. After making all the required payments towards the loan which ended on XX/XX/XXXX I received a letter from BMO Harris bank that we had to still pay them the amount of $XXXX. I explained that we had made all the payments to which they informed that payments were only to interest. I tried to enter into a payment plan as I did not have the full amount. BMO Harris was not giving me any affordable options to resolve the money owed.After requesting a copy of my documents such as payment history and copy of credit report used at the time of the loan, the bank refused to provide me with those documents.
Consumer complaint received 2019-10-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (MO)

I submitted an application online with Discover Card on XX/XX/XXXX. I was approved for the Card. However, I never recieved the card due to Discover closing my account. I contacted Discover on XX/XX/XXXX, XX/XX/19 and XX/XX/19 they stated that they couldn't verify my income within 5 business days of them submitting the card. Although I IMMEDIATELY completed the requested forms for them to obtain my income from the IRS. I was informed that due to the IRS not sending them the requested information within the 5 days that they had to close down the account. My credit profile took a hard hit for something that I had no control over. I submitted the requested paperwork for discover card to get the information from the IRS AND YET INSTILL I'M BEING PUNISHED FOR SOMETHING THAT THE DIDN'T GET IN 5 DAYS. In which I had no control over. This hard hit and account sitting on my credit profile is hindering me from purchasing a home.THIS IS ALSO HINDERING ME FROM GETTING APPROVED FOR ANOTHER DISCOVER CARD.
Consumer complaint received 2023-07-29
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. (AR)

I am writing to file a complaint regarding inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC. (NY)

For 2 years I have paid my monthly bill on time and in full. Recently was in between jobs and had a gap where I was able to make weekly payments instead of one time monthly fee. 

XXXX Payment was reported for being late even though payments were being made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I also answered phone attempts by Ally Financial during this time period where representatives agreed verbally on a recorded line to give me one week to complete my payment which would have taken me over the 30 day mark, those payments were made and paid in full.
Consumer complaint received 2023-07-31
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. (WI)

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. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-31
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. (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. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-31
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: EQUIFAX, INC. (FL)

I have sent A credit report dispute form to your company due to fraudulent inquiry 's reporting on my credit report. I have sent this via Certified mail to you as well as attached it here to view. I am requesting ALL be removed as i have reached out to the credit reporting companies and your credit reporting bureau with no resolution. This is my last attempt before having to contact an attorney to resolve this issue.
Consumer complaint received 2023-07-31
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. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-07-31
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

I made a payment with online billpay through my bank in the amount of {$13000.00} on XX/XX/2023. The check was sent I have a check number and confirmation from my bank and the credit card company still has not posted the check.
Consumer complaint received 2024-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was garnished for acct XXXX in the amount of XXXX by XXXX XXXX XXXX XXXX in XX/XX/year>. I finished the garnishment So now Im being garnished for the same XXXX by XXXX XXXX XXXX XXXX XXXX amount of XXXX plus XXXX dollar court cost. It is hard to get in touch with a human voice when you call and all you can do is leave a message and hope they will return your call I have no one to help me in my current situation I just need to get this resolved fast its about to be 3 paychecks they have gotten their 25 % its really taking a toll on me and my family being Im the only source of income. This has got to stop
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VI)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (DC)

On XX/XX/23 I sent an email to my auto loan finance company, XXXX regarding the reporting of inaccurate information on my consumer report. I have dispute the account as well with the Credjt Reporting Agencies to no avail and verified results. The issue and dispute is that per the FCRA there must be accurate information being furnished. Im addition there must be a reinvestigation into the account which was completed to no avail or update to the reporting information. The current balance being reported is XXXX, however the actual balance is currently XXXX per Prestige. I have asked for this information to be update however was denied due to me being in a payment agreement with the company. As federal law supersedes these companies policies and they have failed to comply with the FCRA and XXXX XXXX compliances I am seeking resolution immediately. Lastly these violations are subject to 15 USC 1611 for the willful noncompliance
Consumer complaint received 2019-10-01
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 had an a account with XXXX XXXX  i turn the car in voluntar on XX/XX/2019 i have a letter from them saying after car was sold i only own XXXX it show in my report i own XXXX it show im XXXX late payment when car was turn in it was only late that month XXXX and it show 2 repos which is not true
Consumer complaint received 2024-08-26
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: Experian Information Solutions Inc. (PA)

EXPERIAN- For over the past 6 months, I have tried to correct their error in the personal information section of my credit report. For no reason at all, my current address was suddenly removed, and my previous address from XXXX listed as my current address. 
Almost impossible to contact customer service, even though their Dispute Section website directed me there. When I have, I received a different response each time. 
Finally spoke with a supervisor who informed me I needed to upload a copy of my current driver 's license and a copy of a current utility bill, which I did, and verified it was received by their system. After a week my report was still incorrect. More calls and more promises it would be fixed. As of XX/XX/year> my current address STILL has not been updated. 

This is only a problem with my EXPERIAN credit report. Both XXXX and XXXX XXXX have my correct address. I have subsequently run into issues with creditors who have pulled my credit report from Experian, as the personal information/address I have provided potential creditors conflicts with Experian 's address information.

A terribly run company, beyond difficult to deal with this CA. I have no resource to complain, because they feel it's not their problem and know I'm limited in escalating this issue. I have worked in customer service for years and their employees are the most incompetent, rude, and dismissive reps I've ever encountered. 

I finally stopped trying to fix the issue as it was causing incredible stress and I simply could not deal with it any longer. Their consumer-based credit score service is exorbitantly expensive for anything more than their credit score and report. $ XXXX for " ExperianBoost '' or additional versions of FICO scores.
Consumer complaint received 2023-07-31
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. (CA)

In accordance with the Fair Credit Reporting act 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. 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 2023-07-31
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: JPMORGAN CHASE & CO. (FL)

the information you are providing to the consumer reporting agencies is inaccurate and incorrect. 
This erroneous reporting has had a significant negative impact on my character, reputation, overall lifestyle, and ability to secure credit for personal and housing needs. 
Your inaccurate reporting has caused substantial harm to my livelihood.
Consumer complaint received 2019-10-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Experian Has not investigated the items attached on a timely fashion ... 
I have list of errors attached. 


The credit bureau doesnt take time to check to make sure