davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-03
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: Experian Information Solutions Inc. (GA)

I am currently refinancing my home and consolidating my credit cards and have been shopping the rates among different lenders. My credit scores have been in the XXXX 's or higher for more than 20 years. I still have an activity revolving account from college which I opened 26 years ago. I have had a mortgage for 14 years. The youngest credit card I have is 9 years old. When the lenders checked my credit scores and mailed me the credit score exception aka the risked based pricing notice. Experian and XXXX both furnish blatantly false information which brought my scores down. On the notice which stated key factors affecting your credit score XXXX falsely stated that I had insufficient length of credit history. Experian falsely stated length of revolving account history is too short. This false information has the affect of driving down my scores and allowing these lenders to justify charging higher interest rates and fees. XXXX just has my score at XXXX and stated that I had high balances on revolving accounts. 
I called XXXX and asked a supervisor about the notice I received and the information they have provided. He denied the fact that the information had come from XXXX. I read out loud the credit score notice to him and he again denied that XXXX gave them that information. He said that each lender runs their own credit score modeling reports and uses their own key factors. He then sold me a credit score report for {$10.00} that had my " real factors '' that affect my credit score. I should get it in the mail in 5-7 days  for security purposes. I did a search on the internet and saw the news release that the CFPB had in XXXX 2017 fined XXXX and XXXX  XXXX XXXX for their deceptive marketing of credit score reports to consumers. I filed a dispute with XXXX XXXX and Experian and requested they cancel my order and decided to file a complaint with CFPB.
I still feel trapped because I have already locked my rate the refi my home and I am not sure if I should move forward or wait to until my credit is re-scored. My lowest score was XXXX and most people would be happy with that, but if my true score is higher why should I have to settle at XXXX. It 's really frustrating because the debt I have been carrying really bothers me but I want to get the best deal I can. I hope this helps someone else when dealing with these crooks as know as the credit reporting agencies.
Consumer complaint received 2017-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (FL)

My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. I believe that my accounts have been used fraudulently in the past and currently. Can you please check to see if any personal or business accounts are open under my social security number or have been open in the past. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # XXXX
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CT)

- The FTC site says that I can go to XXXX to download my credit reports from Equifax, XXXX, and XXXX. I did that for all 3 agencies.

- There was incorrect information on all 3 reports. I called up each agency and they told me that they have different information and that XXXX does not have the latest credit reports. The wrong information on the reports from XXXX has been on those reports for years. 
- I do not want to have to create an account with these 3 agencies just to download my credit reports, but all 3 told me that I have to do that to get the reports with the real and accurate information. I understood that by law I should be able to download my credit reports.

- I also don't want to spend hours calling the 3 agencies to get my credit report.

- In addition, I don't know which version of my credit reports are being communicated to those that are checking my credit. There should only be one official version of my credit report not multiple versions. How do I know that companies are getting the right version of my credit report if there are multiple versions on the agency 's sites vs. XXXX
Consumer complaint received 2023-03-10
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. (IN)

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. 
XXXX : # XXXX, XXXX XXXX XXXX : # XXXX 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 2020-06-11
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. (TN)

Equifax ; XXXX  and XXXX are reporting incorrectly a collection/XXXX in the amount of {$3900.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX has been fraudulently taking money from students and XXXX has recently be charged for this criminal activity. Per the terms of the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX released on XX/XX/2019, XXXX is going to have to forgive almost {>= $1,000,000} in outstanding student loans for students of XXXX XXXXXXXX XXXX. ( I have attached a copy of the article posted for reference. ) I have tried to contact XXXX however, the XXXX is closed and there is no one to answer the telephones and/or answer any questions. This student loan should not be reporting on my credit report. I did not know there were any collections until I obtained a most recent copy of my credit report. I never received any communication from XXXX regarding this account. I have also contacted the bureaus to remove this line item however, I have not been successful. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2017-11-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC (NC)

On Monday, XX/XX/XXXX American Credit Acceptance received 2 packages for the payoff of two cars a XXXX XXXX andXXXX XXXX. On XXXX/XXXX/XXXX I reviewed the account to see that the XXXX XXXX and had been processed as paid off and not the XXXX. 

On Thursday afternoon I called again to see the issue with the XXXX not being payoff and was told they could NOT FIND THE CHECK. American Credit Acceptance clearly does not follow proper lockbox procedures. I provided them the tracking number for the XXXX payoff check, the dollar amount {$27000.00} and the records that they signed for the check on XXXX/XXXX/XXXX at XXXX XXXX and they still tell me as of today they can not find the check. The account number XXXX was also placed on the check.
Consumer complaint received 2017-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

Ive disputed this collection items several times and advised them that this is not my account. This account was falsely placed in my name. Ive never had XXXX XXXX XXXX I sent documentation of my current address and he current cable services I have at my home now
Consumer complaint received 2023-03-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a case open with the cfpb about the same situation but I just heard back from BOA about another claim that I had that is for the same situation and they denied my claim as well. I was scammed and they say they are unable to pay. Regulation e protects these types of situations. They are refusing to get my XXXX dollars back. The claim was opened on the XXXX th on XXXX. All they told me is to reach out to the merchant but it was a scam. There is no way to get in contact with the scammers. I also have a police report open.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

I was having trouble logging into my account on Webster bank previously known as sterling national bank staff at XXXX facility were not very helpful telling me i was doing something wrong ; when in fact there was something wrong with the site itself. In the meantime i finally got someone named XXXX to help me solve the problem ; in the meantime someone had wrote a fraudulent check for {$20000.00} out of my account. When i received my bank statement and saw what happened i went directly to the bank in XXXX and they said to come back the next day and they would help me they told me that the transaction was done 3 weeks prior and there was nothing they could do. They closed the acct and had me open a new one. No one at the banks are giving me any information. When i asked them why they would approve a transaction like that without my approval they had no comment. They are not being very cooperative with myself nor providing any information to the investigator that is working the case Please help me figure out the next steps to receiving that stolen money back. Thank you
Consumer complaint received 2023-03-08
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are 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 block/remove these files. 
XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX  XXXX Balance : {$1400.00} XXXX XX/XX/2021
Consumer complaint received 2020-06-11
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. (NC)

I recently applied for a furnisher account and short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report. 
XXXX {$2000.00}
Consumer complaint received 2017-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: PENTAGON FEDERAL CREDIT UNION (CA)

The pentagon Credit card seems committed fraud against credit card holder, usually it takes three business days for pending transaction to post and when it post will be added to my balance but now since XXXX2017 Pentagon Creditcard about {$600.00}, transactions that posted it doublicated and stayed pending and the charges added again to my balance, I called pentagon creditcard I told the rep if you check my current and recent charges ( they are categorized differently and shouldnt doublicate and if the charge post it should automatically changes from pending status and only once can be added to balance and if these transactions happens to be at month end shouldnt THE INTEREST SHOULDNT BE CHARGED TWICE and closed because Im being charged interest twice and it is fraud, eventually the pending charge will dropped but the interest charges already calculated twice at closing monthly statement, THIS IS FRAUD, Im attaching two exhibits Recent and Current transaction during monthly closing statement with twice interest charges.
Please review the exhibits the extra interest calculated in closed monthly statement.
Consumer complaint received 2020-12-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

I recently refinanced with Loan Depot in XX/XX/2020. Loan Depot was supposed to deposit {$6900.00} into my escrow account upon closing. That didn't happen. Instead they only deposited {$520.00} into my escrow account. That means my escrow account is {$6300.00} short. Loan Depot is well aware that they owe this money to me because I have brought this error to their attention a multitude of times over the last 2 months or so. They have acknowledged the error. Nevertheless Loan Depot has continued to ignore their obligations under this mortgage agreement. They still have not deposited my money into my escrow account.
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (OK)

Discover offered my XXXX percent interest for 18 months on purchases and balance transfers. They have changed my purchases interest rate but keep the balance transfer rate. They also illegally allocated my payments to my balance transfers and not the purchases.
Consumer complaint received 2017-11-02
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (CA)

On approximately XXXX 2016 XXXX & XXXX billed me {$1100.00} for unsolicited services for cell phone and tv usage which I never approved. After calling XXXX XXXX XXXX and spending many hours on the phone disputing the charges, I canceled all of my subscriptions ( cell phone, internet and tv ) after they said they would not be willing to credit any of the erroneous charges. A year goes by and now I have started getting calls from a debt collection company trying to collect this debt. I never authorized the charges and after finding out XXXX XXXX XXXX has been in several lawsuits for frivolous charges like mine, I would like the debt removed and my peace of mind restored.
Consumer complaint received 2017-11-04
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: TOYOTA MOTOR CREDIT CORPORATION (NY)

I went to XXXX XXXX dealership on XX/XX/XXXX. On the same day, they ran an inquiry into my credit for car loans and financing. On XX/XX/XXXX, they ran more inquiries, multiple ones, without my consent and without me being there. All of these credit inquiries were unauthorized. On XX/XX/XXXX, I call the Toyota dealership and they said they could not remove these inquiries from my credit report. Toyota made car loans applications on my behalf without me knowing. I also called the financial institutions Toyota made these applications to. XXXX and XXXX financial departments opened cases to look into this situation. Toyota Corporate and Financial department refused to, claiming they could not do anything.
Consumer complaint received 2017-11-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (FL)

My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. I believe that my accounts have been used fraudulently in the past and currently. Can you please check to see if any personal or business accounts are open under my social security number or have been open in the past. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # XXXX
Consumer complaint received 2017-11-04
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)

My personal information was stolen from Equifax. This is ridiculous and now I need to freeze my credit. I still have to pay for this. I do n't have any choice in using equifax with my report. My information is out there and is in danger of being used.
Consumer complaint received 2023-03-08
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)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2017-11-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NH)

Attempted to assume and receive a mortgage modification after my mothers XXXX XXXX/XXXX/XXXX. 

Applied through loan servicer ( Select Portfolio Servicing ) on XXXX/XXXX/XXXX. 

Denial letter received from loan servicer on XXXX/XXXX/XXXX for the following stated reason : Discharged Bankruptcy not Readfirmed Mortgage was already in an active modification and was based on my mother and my income prior to her XXXX XXXX.
Consumer complaint received 2023-03-08
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-08
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. (VA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX, I have been receiving alerts that credit inquiries have been showing up on my credit report which I did not authorize. I believe that I am a victim of identify theft. The following has not been authorized on my Transunion Account : XXXX XXXX -XX/XX/XXXX, XX/XX/XXXXXXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX  XX/XX/XXXX,XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXXXXXX XXXX -XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX - XX/XX/XXXX, XX/XX/XXXXThe Following was not authorized on my XXXX or XXXX account.
XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX
Consumer complaint received 2017-11-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Regional Collection Services, Inc. (OH)

Regional Collection Services, XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. 
XXXX XXXX XXXX {$83.00} XXXX XXXX, XXXX {$45.00} Aprol XXXX XXXX XXXX {$26.00} XXXX XXXX, XXXX {$200.00} XXXX XXXX, XXXX {$130.00} XXXX XXXX, XXXX {$82.00} XXXX XXXX, XXXX {$150.00} XXXX XXXX, XXXX {$82.00} I was on XXXX at this time, I was 100 % coverwd by them. I would like to dispute these charges.
Consumer complaint received 2017-11-04
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. (MD)

Experian- On or about XXXX XXXX I called Experian after receiving my credit report and noticed the extreme amount of inquiries on there. I asked them to remove them because I did n't give these companies authorization to run my credit. I was told they would n't remove them. The inquiries are as followed : XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX and XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX