davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (NJ)

I applied for the Apple Card from Goldman Sachs Bank and my application was denied. I couldn't get a clear answer from the company as to why. In the denial email they sent me there was just a general statement that my monthly debt obligations are too high, and then it listed that it used my XXXX credit report, where my credit score is XXXX out of XXXX. I do not have high debts. I have no student loans, no auto loans, I'm not behind on any payments, and I have no negative marks. XXXX confirmed that I have a great credit report and all of my accounts are in good standing. I couldn't get anyone at Goldman Sachs to clarify what it is about my credit report that would cause them to deny my application when my credit score is so high.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (IN)

Regional Acceptance Corporation an affiliate of Truist, has violated bankrutpcy laws by reporting a balance on our credit that was paid through bankruptcy and any other amounts were discharged. Additionally, the lender released the lien due to being paid through the bankruptcy. I am filing suit against Regional Acceptance and Truist ( BB & T )
Consumer complaint received 2021-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VA)

This company has reported a collection amount of {$460.00} to the credit bureaus and it is negatively impacting my credit. It is being reported as a past due balance and I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2018-12-06
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. (CA)

There are 11 inquiries showing on my Equifax and 20 on XXXX  that I did not authorize. I am a victim of data breach, identity theft and have requested these inquiries be removed from Equifax/XXXX  and have had no success.Both Reports show 8 XXXX  accounts student loans that are discharged and very old accounts showing derogatory and 1 ACS XXXX   XXXX XXXX, the credit company just keeps updating the date so it remains on my credit repirt. Account for XXXX XXXX account Balance {$4500.00} showing negative and as Authorized user when I never signed any documents or aware of this account. XXXX XXXX as well is Fraud. I have requested over the phone removal of these items and they are very aware of my Police report as well as the discharge of my student loans. The loans are incorrect information showing. Please have them removed from both reports immediately as this is not the first time I have to go through CFPB.
Consumer complaint received 2018-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (OH)

To whom this may concern, there is a company by the name of Ad Astra Recovery Service that is reporting to the credit bureaus that I owe them for an amount of {$310.00}. I have no knowledge of this account. I have disputed with this company on multiple occasions and this still remains on my credit report. This is damaging my credit score that I am working to keep in good standing.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ability Recovery Services, LLC (MD)

There is an account on my credit report ( XXXX only ) with the status of open when it should be showing a status of closed because it was included in a bankruptcy in XX/XX/XXXX. Its shows a balance of {$0.00} and past due amount {$0.00}, but yet is still open on my account. There is also an account open only on XXXX  again of a balance of {$570.00} that I have never received a bill for, but is showing it was opened in XXXX this year. I have disputed these two account with XXXX and sent them proof of bankruptcy and they still have not changed the status of the accounts even though I have received confirmation emails stating the dispute was completed. It is almost impossible to receive information regarding this situation because it is impossible to even receive access on their website because their system can never accurately match my information to confirm my identity and their phone number wait is always backed up hours at a time because no one can access their online features. XXXX  should not be a trusted agency for being responsible for people credit information.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX and XXXX  XXXX XXXX  are reporting negative accounts on my credit reports. Not only are they reporting false information the information that they are reporting is not mine information. I called and spoke with the creditors and requested they provided me with documentation showing this debt belongs to me. After further review of the paperwork they have a different social security number on the contract. I called the credit bureaus to report this inaccurate information and they failed to follow up. They stated the information was verified. I sent in a copy of the contract from the company showing the social security number on the contract does not belong to me.
Consumer complaint received 2018-12-06
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 got a collection account that does not belong to me, I send all the paper work to proof that the account don't belong to me. Two disputes later collection account still on my report affecting my score. 

First Dispute XX/XX/2018 Results Report Number : XXXX Date Generated : XX/XX/2018 XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
XXXX XXXX XXXX Account Name XXXX Account Number Second Dispute XXXX  XXXX XXXX  Date Generate : XX/XX/2018 Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
XXXX XXXX XXXX Account Name XXXX Account Number
Consumer complaint received 2021-12-12
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I started working with the Wells Fargo private mortgage broker on XX/XX/2021 to refinance my property leveraging the low-interest rates. The broker was very kind in working through different scenarios to show the product options available to me in my location ( TX ). After all the due diligence with Wells Fargo and other institutions, I decided to select the 10/6 ARM@ 2.625 % interest rate offered on the written product quotation from Wells Fargo on XX/XX/2021. Upon confirmation that I selected this option the same day, the private mortgage broker instructed me to go fill out the application through the online portal. I completed the application the same day ( where I also selected the 10/6 ARM on the online portal after entering all my information and authorizing a hard credit pull ). On XX/XX/2021, I was notified that Wells Fargo does not offer Adjustable Rate Mortgages in Texas, and I needed to select a Fixed Rate option ( which were all quoted at a higher interest rate ). The comparable fixed-rate mortgage option quoted to me is a 3.000 % interest rate, which is a 0.375 % increase over the original option I had selected. Not only did the mortgage broker offer me the adjustable rate mortgage, but I also applied online through the Wells Fargo portal and also selected the 10/6 ARM at that time. There was never an error or message stating this product was not available in Texas. 

The product offerings over the XXXX weeks of quotations were completely misrepresented from Wells Fargo and has now left me in a position where I can no longer a competitive rate in the market. I have also spent XXXX week getting passed around to different representatives who basically act as if they have no information of the issue. It is like starting from square one with each conversation. Time is of the essence, and I am not getting any resolution. This is an issue in Wells Fargos system. They have professionals dedicated to knowing the legal restrictions in different locations. No one restricted this prior to me locking in the 10/6 ARM at 2.625 %. The website even let me select the 10/6 ARM after I entered my address ( specifying Texas ) and authorizing a hard credit pull. This is a Wells Fargo mistake and they need to honor the 2.625 % interest rate they committed to me.
Consumer complaint received 2021-11-18
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX, ID, Identity Theft report
Consumer complaint received 2022-08-12
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. (IA)

XXXX informed me my payment would NOT be late, yet put a mark on my credit report ( dropping my score XXXX points! ) that it was 30 days late. I have been calling XXXX everyday, and no one is helping me or taking any accountability for the rep who misinformed me on the phone when I asked for an extension. I was told if I paid by XX/XX/XXXX, my account would be fine. I paid on XX/XX/XXXX. There is absolutely no reason anything should be late, and I need the XXXX late payment removed immediately from my credit report.
Consumer complaint received 2021-11-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

On XX/XX/2021, I opened a Citibank checking account. They had a bonus offer of {$700.00} if you deposit $ XXXX. So, I deposited {$50000.00} in the checking. 
After few days, they blocked and closed my checking account anymore. I contacted customer service several times. Nobody knew what's going on kept diverting my call to XXXX where they cant understand my issue. They keep saying same thing again and again ok, Yeah, I understand Until now they have not returned my money back. It's my hard money saved for a long time and CITIBANK has stolen my money. Please help me get my money back. It has caused mental and physical agony. If this is not resolved, will definitely go to new media and bring to nation 's attention. this is FORGERY, FRAUD, MANIPULATION BY CITIBANK. They should be held accountable for their fraudulent practices
Consumer complaint received 2018-12-06
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. (MO)

XXXX XXXX and XXXX  XXXX XXXX are reporting negative accounts on my credit reports. Not only are they reporting false information the information that they are reporting is not mine information. I called and spoke with the creditors and requested they provided me with documentation showing this debt belongs to me. After further review of the paperwork they have a different social security number on the contract. I called the credit bureaus to report this inaccurate information and they failed to follow up. They stated the information was verified. I sent in a copy of the contract from the company showing the social security number on the contract does not belong to me.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021, a dispute letter was submitted via mail and fax to Transunion, XXXX and XXXX in reference to the Bankruptcy listed which is inaccurate on my credit reports. I have allowed substantial time to resolve my concern due to the pandemic. I have also contacted the Courts as well and they advised me they do not report to the Credit Bureaus. If the Courts do not report to the Credit Bureaus, how is this listed on my credit report? By FCRA law, all Credit Bureaus are required to validate/verify information BEFORE it is added to a consumer credit report. The Bankruptcy listed is in violation of FCRA not only because the courts do not report information to the Credit Bureaus but by law the Bankruptcy must report City, State and Court Name which it doesn't. This Bankruptcy is negatively impacting my ability to secure new credit and or purchase a home. I request full removal and an updated copy of my credit report mailed to me.
Consumer complaint received 2018-12-06
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)

I HAVE DISPUTED THE INQUIRIES BELOW SEVERAL TIMES AND I KEEP GETTING REPLIES BACK THAT THESE ITEMS HAVE BEEN VERIFIED AS ACCURATE. THESE ITEMS ARE KEEPING MY CREDIT SCORES LOW WHICH IN TURN IS AFFECTING MY OPPORTUNITY TO GET DECENT RATES ON A PENDING HOME PURCHASE. 

1. XXXX XXXX XXXX XX/XX/XXXX UNATHORIZED INQUIRY 2. XXXX XXXX - XX/XX/XXXX - UNAUTHORIZED INQUIRY 3.  XXXX XXXX - UNAUTHORIZED INQUIRY 4. XXXX  - XX/XX/XXXX - UNAUTHORIZED INQUIRY 5. XXXX XXXX - XX/XX/XXXX - UNAUTHORIZED INQUIRY 6.  XXXX XXXX - XX/XX/XXXX -, UNAUTHORIZED INQUIRY 7. EXPERIAN XXXX XXXX - XX/XX/XXXX - UNAUTHORIZED INQUIRY 8. XXXX XXXX XXXX - XX/XX/XXXX - UNAUTHORIZED INQUIRY 9. EXPERIAN XXXX XXXX - XX/XX/XXXX - UNAUTHORIZED INQUIRY 10. XXXX XXXX - XX/XX/XXXX - UNAUTHORIZED INQUIRY 11. XXXX  XXXX XX/XX/XXXX UNAUTHORIZED INQUIRY
Consumer complaint received 2018-12-06
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. (CA)

1. EXPERIAN BUSINESS CREDIT - XX/XX/2017 - UNAUTHORIZED INQUIRY 2. XXXX XXXX XXXX - XX/XX/2017 - UNAUTHORIZED INQUIRY 3. EXPERIAN BUSINESS CREDIT - XX/XX/2017 - UNAUTHORIZED INQUIRY
Consumer complaint received 2022-09-08
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. (IL)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my consumer rights 15 USC 1681e ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Permissible Purposes of consumer reports 15 USC 1681b ( a ) ( 2 ) States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates 15 USC 1681 ( a ) ( 4 ) states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy
Consumer complaint received 2021-08-15
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. (LA)

MY EQUIFAX CREDIT REPORT SHOWS THE WRONG BALANCE FOR MY XXXX XXXX XXXX XXXX XXXX VISA ACCOUNT. I HAVE ATTACHED A COPY OF THE ACCOUNT STATEMENT SHOWING A XXXX BALANCE DATED XXXX. 
PLEASE UPDATE THIS INFORMATION.
Consumer complaint received 2021-11-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (TX)

Initially, in XXXX of this year, I tried to be proactive and get help before falling behind ( separation, job circumstances ). No help was given at that time. I then fell behind and made payments as much as I could to catch up and requested from XXXX until now for an extension. 

In XXXX I was told I could receive one if I made over XXXX dollars in one month. I was not able to do so. 

I have since moved out of my apartment and into a smaller place to catch up. 


Two different departments have told me two different things as far as catching up. 

These people scream at you, don't take accountability for misinformation and threatned to reposses your car. It is so horrible to experience. 

I am so disappointed in this company and how they treat their customers. 

I've had no COVID help after almost a year of leasing to own this car.
Consumer complaint received 2020-11-30
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. (LA)

On XX/XX/2020 I sent a dispute letter for those accounts that I found unknown and inaccurate on my credit report it was almost 30 Days today but I haven't received any response. I was a victim of XXXX Data Breach. I demand to Remove ASAP those accounts or I will file a litigation.
Consumer complaint received 2022-08-12
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-11
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SLM CORPORATION (MI)

I had a debt that was sent to XXXX XXXX from Sallie Mae. I settled the debt out with paying less than I owed last year in 2021. I received two 1098- E statements issued for the amount {$3300.00}, but with separate Lender Name 's and TIN. I am unsure which one I should use to file my taxes, which I have been transferred several times and have gotten no where. 

XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MA XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX Why would I receive two 1098E statements for the same debt. Also, I received a 1099C on the canceled portion of the debt, but per Notice XXXX that lenders are not required to, and should not, issue Forms 1099XXXXC when certain student loans are discharged. Lenders and their servicers should act now to review their tax reporting procedures for compliance with the Notice. 

Based off review of the notice, it pertains to private student loans, which this company collected on behalf of Sallie Mae, which would considered a private student. The company issued the 1099C, which would impact my taxes and cause me to have to pay taxes on the canceled amount.
Consumer complaint received 2022-04-09
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. (TX)

According to the Fair Credit Reporting Act XXXX  XXXX- acct # XXXX XXXX XXXX  XXXX acct # XXXX, XXXX XXXX XXXXXXXX Acct # XXXX, XXXX XXXX XXXXt-acct # XXXX XXXX XXXXXXXX XXXX- acct # XXXX has violated my rights.

15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2 also states a credit reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (CA)

I previously did a complaint with XXXX XXXX XXXX. I disputed my XXXX XXXX credit card to them due to it being identity theft. I submitted supporting documents about identity theft supporting this account is not mine. But yet they would not delete the account. The company sent me documents to fill out that this account is fraudulent and I will be uploading a notarized document. I will also be uploading their previous response that they need this document to delete this account. I want documentation that they will be deleting this account. I am asking the credit beaurus to delete this account because this is a fraudulent account. This account was deleted from XXXX so it should be deleted form