davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

IN XXXX MY IDENTITY WAS USED TO OPEN FRAUDULENT CREDIT ACCOUNTS IN MY NAME, A POLICE REPORT AND A FEDERAL IDENTITY THEFT AFFIDAVIT WAS FILED AND A INVESTIGATION WAS OPENED, AS OF TODAY MY IDENTITY HAS BEEN RECOVERED, AND THE INVESTIGATION INTO THE FRAUD IS NOW CLOSED, I HAVE RECOVERED FROM THIS IDENTITY THEFT, BUT WHEN MY IDENTITY WAS STOLEN THE THIEFS AP ; PLIED FOR NUMEROUS CREDIT, LOANS, AND CAR APPLICATIONS IN MY NAME, AND THOSE INQUIRES ARE STILL REFLECTING ON MY TRANSUNION CREDIT REPORT, I MAILED TRANSUNION A DETAILED LETTER OF THE ACTIONS THAT TOOK PLACE AND INFORMED THEM OF THESE FRAUDULENT ACTIVITIES THAT HAD TOOK PLACE, I ALSO MAILED A COPY OF MY POLICE REPORT ALONG WITH MY FEDERAL IDENTITY THEFT REPORT TO SUPPORT MY CLAIMS, 0N XXXX XXXX, TODAY I RECIEVED A LETTER FROM TRANSUNION STATING THAT THEY COULD NOT HELP ME FOR TWO REASONS THE FIRST REASON WAS THEY SAID THAT THE INQUIRES IN QUESTION ( XXXX XXXX, XXXX XXXX, XXXX, ) WERE NOT REPORTING ON MY CREDIT REPORT, THEN IN THE SAME LETTER SAYS THEY CANT HELP ME BECAUSE THEY DETERMINED THAT MY REQUEST WAS MADE IN ERROR,, A MISREPRESENTATION OF MATERIAL FACT, OR I HAVE OBTAINED POSSESSION OF GOODS, AS A RESULT OF THE TRANSACTION AT ISSUE, THESE ALLIGATIONS ARE FALSE AND WAS DETERMINED BY TRANSUNION WITHOUT DOING ANY DUE DILLIGENCE ON THE INFORMATION THAT WAS PROVIDED TO THEM, IT HAS BEEN MADE VERY CLEAR THAT TRANSUNION HAS NEGLECTED TO DO THIER DUTIES AS A CONSUMER REPORTING AGENCY, AND HAVE BROKEN THE LAWS OF THE FCRA, BY DENYING ME THE RIGHTS TO HAVE THESE FRAUDULENT ITEMS INVESTIGATED AND REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I was looking over my credit reports and I found the information below to be incorrect. Please make corrections because these inaccuracies need to be corrected asap. 
In Accordance With the Fair Credit Reporting Act the information listed below has violated my federally protected consumer rights to privacy, and confidentiality under 15 U.S.C. 1681. Incorrect Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX, XXXX XXXX XXXX XXXXXXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX Incorrect Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Correct Name : XXXX XXXX XXXX. Incorrect Phone Number : ( XXXX ) XXXX, ( XXXX ) XXXX. Correct Phone Number : ( XXXX ) XXXX. Incorrect SSN : XXXX. Correct SSN : XXXX. This information on my credit reports is in violation of 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 an account without my written instructions. 15 U.S.C. 1681a-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 2022-09-27
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/21 Balance : {$0.00}
Consumer complaint received 2021-06-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

In XX/XX/XXXX I received correspodence from Citizens/Charter bank through CFPB there are missing payments not listed on the payment history sent. There were two payments one for {$250.00} and the other for {$500.00}. those two payments are missing. Brought the balance down to {$2000.00} in XXXX. Also there was a complaint for XXXX regarding default. I paid the monthly payment after i paid the principal of {$1400.00} was defaulted. Stated that the bill was never going to go away and I quote. This also was sent to CFPB. Requested a XXXX discharge for Citizens bank. Stated in their correspodence that they were no payments. I will get a copy of a police report if necessary have to prove it's theft first
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I sent letters to Equifax, XXXX and XXXX on ( date of 609 letter ) regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over ( date since 609 letter was sent ) and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (DC)

Identify theft I am a victim of identity theft there are information of purchases on my credit report I do not recognize such as last four digits of banking accounts, license plate numbers, I have never had a drivers license never in my life, leased, owned vehicles under my name where someone has been utilizing my personal information to register and buy vehicles, cell phones and opening banking accounts under my name fraudulently I have been denied access to freeze my Experian account, I have been denied access to a free once a year credit report Please see attached photo from experian website stipulating accounting to their records there are vehicles purchased and leased, license plates under my name. 
Banking accounts under my name that I do not own and do not recognize
Consumer complaint received 2020-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

Care credit charged promotional interest. I spoke to a care credit rep and explained my COVID hardship and that my mother had pass. She said I could call back and care credit would waive promotional interest. Well I got another rep and she told me it could be waived. I asked for manager and it just got worse. No one helped. One manager said she would pull the tapes of me and the first rep speaking. Remember I requested this investigation. Well lo and behold when care credit called to tell me they would honor the waiver of the promotional fees for s one time only request Was the day the phone disconnected. The operator spent more time saying she couldnt hear me then telling me I had one day to pay., so I didnt get to hear the purpose of the call and the manager didnt call back! I had no return number. She didnt follow up. When I got thru the next day the rep said she see the notes, she sees that the phone was disconnected but unfortunately that offer was for one day only. This is unprofessional and unscrupulous behavior. To note account that the phone disconnected, to not call me back to say I had one time to pay. And to know I had no call back to the manager that decided to allow me to pay balance without promotional interest is a conspiracy. These managers get together and represent CareCredit in the most disrespectful way that words cant explain. The tapes say it all and one day they will be fired!
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right of privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I was a victim of Identity theft and I want this account to be removed. I have tried to work with the company and the credit bureaus to remove this but transunion refuse to conduct a proper investigation.
Consumer complaint received 2020-10-25
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (MO)

I'm currently Banking with Chime & for some how some way. Someone enter into account & was able to change my information & used my Checking Account. Im still in shocked as how to they bypass a Banking Institution security. I've contacted the Bank immediately. Still no reply for their support team. All my funds are gone. I can't use my card no more. I can't login into my account.
Consumer complaint received 2020-10-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (TX)

1. We received incorrect guidance from the Loan Officer ( LO ). Hes supposed to know Lenders guideline and advised us correctly. I only have a business bank account, money in and out and I didn't want to provide bank statement. The LO confirmed several times that bank statements are not needed when I can provide Profit and Loss statement from my CPA. We would not submit the loan to him if he answered differently. Near the end of the process, the lender asked for bank statements and refused the loan. 
2. I submitted the loan application on XX/XX/XXXX, but the LO didn't submit it to the lender until two weeks later. I didn't hear anything from the lender until late XX/XX/XXXX - request documents for conditions, when the lender refused my loan application at the end of XXXX. The builder said it took too long for me to get a loan so they canceled the contract without refunding the deposit money, even though I and my Realtor were going to submit a loan application to another lender right away. 
3. The LO didn't understand the process, locked the rate too early, and promised a rate/fee. Then said that we could close on-time before the rate lock expired XX/XX/XXXX. We didn't receive request for documents until XXXX XX/XX/XXXX, the LO said if I could provided all required documents by the end of that weekend which was XX/XX/XXXX, he could close the loan on-time which is wrong. There is a process of Loan Estimate, Initial Closing Disclosure then Final Closing disclosure which is at least 5 days, he would have to extend the rate ; also after I provided several items, there were more and more requests from the lender. If I was going to close the house with this lender, I will have to pay a very expensive extension rate due to the negligence of the LO. Please see attachment for more information. He never disclosed when he locked and when the rate lock expired until my realtor found out and it was too late. He locked too early while the lender was too slow then quietly sent me a Loan estimate which has higher cost and told me that was extension fee.
Consumer complaint received 2022-10-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (NM)

Hello. 
In XXXX I started at XXXX XXXX. I was in the military, and had to apply for multiple student loans. I paid them as much as possible, and it was over & beyond the GI Bill. I got out of the military, and graduated with an XXXX in XXXX. 
I had a hard time getting a job due to the degree. Employers didn't view my degree as a legit degree. XXXX never told me I would have such an issue. 
I eventually moved out of state due to cost of living, and had to start putting my loans on forbearance & deferment. I had taken out Federal & private loans. XXXX encouraged that. 
In XXXX XXXX went under due to fraud. I was told to apply for Borrower Defense. I did. 
I waited, and waited, and waited. I'm still waiting 6 years later. 
Every time I call, they say it's processing. In the meantime it's on my credit- and it's affecting my debt to income. 
I've complained, but I'm never heard. 
Typical time for Borrower Defense is 36 months. I know people who have applied and it was resolved in 6 -12 months time. 
Now the government has announced that anyone who went to XXXX will have their loans 100 % forgiven. There are lawsuits going on involving Borrower Defense & XXXX. 
But there's no communication with me about it. The government has said that loans will be 100 % taken care of, and even repayment for monies spent. But letters went out back in XXXX, I never got one. 
I don't know if there is anything you can do, but, I need help. 
I am hoping you're able to. 
Thank you. 

XXXX XXXX
Consumer complaint received 2020-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In the past my credit card would show up on my credit report, however, I am no longer able to see it on any of the reports received from all 3 credit bureau. 

All 3 credit reporting agencies say they havent received any information from XXXX. There is a disconnect here and Ive tried every means possible to fix it. This issue started happening after I tried disputing a charge on my card.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Good afternoon I'm reaching out because you have Send me a notification via email confirming that Bank of America account was deleted from my credit report however upon opening my credit score I can clearly see that it's still visible and available on my credit report. Again you have no evidence at all or any proof that this account belongs to me however I have a document attached with over 20 pages With evidence confirm that this is not my account again go over my documentation step-by-step and don't you dare to tell me again that I have not provided you enough information and that you somehow are able to verify this account and yet don't provide me with physical proof as you are obligated by federal law.
Consumer complaint received 2020-11-18
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (OH)

I am a first time home buyer. This process was absolutely horrendous. No communication. Dishonesty. Misleading. And just down right terrible. 

I was told over and over again to stop freaking out to relax. Just chill out. Well come two weeks after original closing date and my house was sold. A single mom with a XXXX year old and know were to go was told by my title broker that it was never going to go through. 

I was quoted a XXXX $ mortgage and the mortgage was going to end up being closer to 1600 . 

Im beyond mad. I have no where to go now with my child. All because of putting everything off and playing major games. Im sick over this. 

On top of it my credit is completely trashed now because he checked it so much. Not ok at all.
Consumer complaint received 2020-10-25
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. (NJ)

I am filing this complaint because Experian, XXXX, and XXXX  have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are require to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2022-09-27
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. (VA)

My name across the bureaus is not correct, should just be XXXX XXXX. 
I have a lot of inquiries that should be removed based on time or the fact that I did not accept the terms of the loan/financial product. 
Account issues that are accurate or missing : XXXX XXXX XXXX XXXX is missing from XXXX XXXXXXXX XXXX  incorrect date for the account open XXXX. XXXX XXXX incorrect date in formation for account open XXXX XXXX XXXX - missing reporting on XXXX XXXX. XXXX XXXX XXXX  missing consistent reporting on XXXX and XXXX, date open, and status XXXX XXXX  incorrect reporting, date open, status, payment history, and paid off XXXX XXXX incorrect reporting paid in good status, and not showing correctly across bureaus XXXX. XXXX XXXX incorrect info across bureaus date opened, last used/status, and debt amount, and purchased through another group XXXX. XXXX XXXX XXXX XXXX unaware of account and not reported across bureaus consitently XXXX. XXXX good account paid on time but not reported across all bureaus XXXX. XXXX - account paid on time, incorrect debt incorrect open closing and payment history XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX ) - account sold off but paid XXXX account on time item XXXX, don't own this debt XXXX. XXXX ( XXXX XXXX : SPRINT ) paid on time on issues don't own debt no proof of debt and not reported across bureaus correctly XXXX. ( Original Creditor : ) - medical bill paid, don't own debt, and not reported across all bureaus XXXX. XXXX XXXX XXXX - reported twice, inaccurate, and do not own debt XXXX. XXXX XXXX - paid on time and not reported across bureaus, good acct XXXX. XXXX XXXX - don't own debt, sold vehicle, cleared the debt and inaccurate info on debt date opened, status, conditions of debt XXXX. XXXX - incorrectly reported, information not correct across bureaus XXXXXXXX XXXX XXXX - incorrect information across bureaus, date opened, balance, payment history XXXX. XXXX - paid and not correctly reported across bureaus XXXX. XXXX XXXX XXXX not reported correctly across bureaus, paid on time
Consumer complaint received 2021-11-16
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. (DC)

this company is clearly and consciously violating my consumer rights in handling my disputes. please see my attachments and process them accordingly. The companies handling of my disputes are affecting my daily life severely as i can not do the things i need to do with the negative remarks on my consumer report.
Consumer complaint received 2020-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The company Kohls department store reported negative information to a Kohls account that I was not informed about and was not aware  of ; Approximately XXXX XXXX for an amount of {$67.00} ; as it turns out they had no email or phone tied to the account/database ; I only found out about this activity due to credit monitoring with XXXX. 

The company admitted to me that none of my contact information was in their database ; I attribute this issue to stolen account information with a combination of corrupt and improper management of their data, which was in my opinion was obtained by others.

I contacted Kohls and they could not obtain my account information. They did give me the last four characters of the account number which is also on the XXXX  report ; the account number is  XXXX. 
The account has been closed to insure not additional fraud occurs.