davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (IN)

Online application for Sam 's credit was submitted on XX/XX/XXXX. A copy of driver 's license was required XXXX a video of myself. Application was then denied based on unable to verify identity which is ridiculous. When I called in a XXXX apologized & said, that I shouldnt have had to go thru this process, which seems to give Synchrony the right to deny applications based on race. The XXXX promised to call back XXXX  never did. Synchrony never sent a letter of denial only stating that I needed to verify my identity. The credit dept XXXX hung up on me during the call XXXX never called back. Spoke with XXXX XXXX, on XX/XX/XXXX who promised to have a XXXX follow up within XXXX hours. XXXX was advised that I recently learned that Synchrony Bank has seriously erroneous/fraudulent information on my XXXX credit report regarding XXXX credit card accounts XXXX & XXXX & XXXX XXXX XXXX XXXX XXXX closed accounts section. They show the account open for XXXX months with no XXXX made XXXX  a {$100.00} credit limit which is insane.
Consumer complaint received 2022-08-15
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)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2022-06-22
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. (NC)

There was a co-sign for someone in XXXX. I was attempting to buy a second home and paid the remaining XXXX for a loan I did not approve. There are negative marks on my credit.
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (NV)

Self is a credit building product. I began with a loan and later opted in to a card. What I have noticed is that what the company has been reporting incorrect information monthly as it pertains to my balance. I reached out to customer service on today XXXX and spoke with XXXX representatives. The first rep was not knowledgeable in providing me the dates and advised that I look at my credit report. The second representative advised that Self reports to the credit bureaus at the end of the month and there is one set date. I confirmed by asking her to repeat in which she stated it is once a month the last week of the month. My issue is that my statement closes on the XXXX. The statement information is not what is being provided to the credit reporting bureaus instead new information from an active cycle is what is being delivered. This is making my utilization be higher than it should and thus instead of helping to build my credit it is harming my score. For instance at the end of the XXXX statement my balance was {$80.00} when self finally reported it showed {$490.00} and due to me rebuilding my credit this account I do not have high limits at all so this {$490.00} erroneous report made my utilization be 45 % when in fact my utilization should have been well below 10 %.
Consumer complaint received 2020-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX  XXXX {$34000.00} US DEP ED XXXX {$12000.00} DPT EDXXXX XXXX {$8700.00} XXXX XXXX {$34000.00} DPT EDXXXX {$7700.00} DPT EDXXXX XXXX {$3200.00} US DEP ED XXXX {$12000.00} XXXX XXXX XXXX {$8700.00} US DP ED XXXX {$3200.00}
Consumer complaint received 2022-09-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Comerica (FL)

I am the successor trustee to the XXXX XXXX XXXX that holds a checking account ending in XXXX. I have been attempting to get transfer of funds in for a number of months without success. I have been working with XXXX at the XXXX XXXX XXXX  branch and provided originals of death certification, Certification of Trust, copies of trust documents and all other required information. I have not received any feedback or response and I am unable to get this resolved. 

In the interim, another branch has contact me house to speak with my deceased father to sell new products. I advised that he is dead. I then received a new communication of a change address. I am concerned about fraud on the account and the fact that the bank will not respond to my request for transfer. 

Please help me look into what is needed to resolve open questions related to transfer of assets on the deceased accounts? What actions have been taken to protect funds both in the checking and savings account ( the latter of which was titled incorrect by this bank and is now the sole asset in the a probate proceeding )? What information is supporting a change of address and other activity on the account per the communication sent to me by this bank advising that there had been changes in the account information. Note that when I called the XXXX number provided I was told I could not do anything expect go into a banking center ( In XXXX while Im in XXXX  ) because I could not tell them what year my deceased father opened the account over 25 years ago. 

Please help. I am having issued with deceased account and potential sales practice issues with this bank.
Consumer complaint received 2022-06-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (NY)

On XX/XX/2021 I purchased a used car in my car loan I had a warranty that cost {$1800.00} when I tried to use my warranty for the car the warranty people that Westlake uses kept saying that I don't have an active warranty to the car I went back and forth with Westlake and the warranty company that they use in order to try to get my car serviced I was not able to get my car service because by time they found a active warranty for my car it was over the mileage and the time.
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (TX)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph XXXXs the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, AMEX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
AMEX Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
AMEX Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Consumer complaint received 2021-05-29
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: Thaxton Investment Corporation (TX)

In response to Covington Credit, I would like to inform you of the inaccurate reporting on my credit file. I never authorized any accounts with Covington Credit. If Covington Credit has the right to report this account to my credit file I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681, and in pursuant to the FCRA section 609 ( A ) ( B ) ( C ) I would like the name, email address, the address and telephone number of the person who furnished and verified this derogatory information with XX/XX/XXXX. Further I am also requesting verification of the dates, original payee information, amounts of any and all payments that led to this alleged debt being placed on my public consumer credit file. All information in pursuant to the FCRA section 609. Please provide all records in regard to FCRA section 609.

Failure to properly investigate the accounts listed above will result in a " non- verification '' which requires that the inaccurate information be immediately removed from my credit file.

The Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j - requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Consumer complaint received 2023-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (ID)

Loan servicer BSI Financial Services in connection with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  illegally foreclosed on our home. They created fraudulent documents and " harvested '' our home. This took place XX/XX/2012
Consumer complaint received 2021-02-11
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (AL)

I purchased my home in XXXX XXXX 10 years ago ) and have taken advantage of Refinance offers to lower the interest rates at least four times. The last time was XX/XX/XXXX to 2.75 % with XXXX Mortgage XXXX XXXX XX/XX/XXXXXXXX. The interests dropped again 6 months later and XXXX sent me solicitations to refinance. I bit the hook and began a VA IRRL Streamline REFINANCE. It was soon after I began the documentation that a MrXXXX XXXX XXXX decided that as a " woman '' I couldn't be a veteran and became difficult. We finally were SET to go to closing after THEIR Chosen Title company completed the so-called title search in XXXX. When I complained of the pushback, he pushed me off to one of their other companies FREEDOM Mortgage. So the process was STARTED over again in XXXX. The interest rates advertised were 1.75 %, 1.99 % and 2.25 %. As soon as they " spoke '' with me over the phone, they could only offer ME 2.25 %. However I kept getting their mailers that the rate was 1.75 %. I wanted the lowest rate available naturally. AGAIN I was denied. In the meantime, we move forward with FREEDOM to go to closing. Freedom decided that I ( A woman VETERAN ) could NO LONGER be eligible for a VA Refinance and decided to put my spouse XXXX XXXX XXXX XXXX on the note. This was an error and we could could not close in XXXX on the set date because of the erroneous paperwork. They promised to correct it and set a new closing date. They have called me THREE more additional times to CONFIRM a SET closing date of XXXX XXXX at XXXX at my residence. NO ONE SHOWED up. NO ONE called and As of XXXX XXXX, I do have have a REFINANCE loan which started with the Parent company in XXXX with XXXXXX/XX/XXXX. I believe I am being discriminated against as a FEMALE ( gender discrimination ) and racially ( as a XXXX female ) and as a Veteran. -- - This company has sold my information to others and I have been getting solicitons from other Mortgage lenders who " without my approval '' pulled a Hard inquiry on my credit report. This company XXXX XXXX also stated that on XXXX XX/XX/XXXX that my FICO score was XXXX which was NOT true for XX/XX/XXXXor XX/XX/XXXX My SCORE was XXXX and ABOVE for all three activities. Of course FREEDOM and XX/XX/XXXX claimed that they could NOT give me 1.75 % ( lowest rate ) due to my credit score which was an Excellent score. My score now is above XXXX ... There is NO excuse for this poor service and I believe this is HORRIBLE treatment. It is costing me more money and I need to be compensated.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX I was denied credit due to a newly reported, erroneous item on my credit report. I immediately used XXXX and XXXX online to get a free copy of the report and initiate a dispute directly with those services. 

TransUnion appeared to not have a way to do this, so I tried to get a free report via the XXXX but I somehow failed the verification process. After more XXXX I thought I found how to request directly from TransUnion and it made me create an account and provide a credit card number though didn't say what would be charged. Of course I passed their verification. 

Upon login it appeared I had been signed up for a XXXX XXXX/month service without my knowledge. I completed the dispute on my credit report, requested cancellation of the service which only provided cancellation of the auto-renew. 

After speaking with " XXXX '' in their overseas 800-customer service center he immediately said he would cancel the first charge on my credit card and insisted there was a way to sign up for a free account online that did not require a credit card number. 

A quick web search indicates that TransUnion has a history of doing exactly this and has agreed on a number of occasions to stop this deceptive process. They have not.
Consumer complaint received 2020-11-20
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: CCS Financial Services, Inc. (OR)

On XXXX XXXX, 2020, CREDIT COLLECTION SERVIC add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CREDIT COLLECTION SERVIC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2022-06-21
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. (HI)

Back in XXXX of XXXX I sent a written dispute to Equifax via XXXX XXXX mail tracking # XXXX which they received on XX/XX/XXXX, regarding the following collection account : XXXX XXXX XXXX - Account # XXXX for the amount of {$2400.00}. The original creditor for this collection account is XXXX XXXX XXXX. 

The results that I received from Equifax dated XX/XX/XXXX, regarding the account were that they modified the comment section ; I disputed this account again and the 2nd results dated XX/XX/XXXX, came back as verified therefore it still remains on my credit report. 

I have also written to XXXX XXXX XXXX and to date I have never gotten a response regarding this collection account. At one point this collection account was also on both my XXXX and XXXX credit reports as well. I disputed the account with both companies, and they deleted this account from my credit profile. Equifax has failed to do the same. 

I do not owe XXXX XXXX XXXX or XXXX XXXX XXXX any money at all. XXXX XXXX XXXX took me to civil court in the State of Hawaii at the XXXX XXXX in efforts to sue me for {$2400.00} back in XXXX of XXXX. The courts ruled in my favor and the Judge dismissed the case with prejudice on XX/XX/XXXX. 

When a case is dismissed with prejudice, the plaintiff is barred from filing a lawsuit on the same issue at a later date. Therefore, there should have been no further collection activity towards me. 

I have been dealing with the negative effects of this for 6 years. I am a single mother of 5 and it has prevented me from many opportunities including obtaining housing in the past. This is clearly the illegal debt collection practice known as debt parking and Equifax is allowing this by continuing to report this information on my credit report. This is damaging to my character and costing me financially. 

I have attached proof of the case record which shows the dismissal from the XXXX XXXX XXXX XXXX of the State of Hawaii for your reference as well as additional documentation that supports my complaint.
Consumer complaint received 2022-06-14
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. (CA)

In accordance with the fair credit reporting act XXXX account # XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 604A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

I called NissanXXXX XXXX. I told them the account is over 7 years old. Its been over 7 years since I turned the lease back in. I havent made a payment in over 7 years and it shouldnt be on there. The account says I pay every month. The lady told me it was gon na be reported to the credit bureaus and stay open as long as there is a balance.
Consumer complaint received 2022-06-22
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: Access Financial LLC (FL)

I do not recognize this inquiry from XXXX XXXX INQUIRY DATE : XX/XX/21 15 U.S.C 1681 Section 602 A : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not finish a account w/o my written instructions.