davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-11
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 im XXXX now.with no help.
Consumer complaint received 2022-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi I am submitting this XXXX XXXX this isn't 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 im XXXX now.with no help.
Consumer complaint received 2022-08-11
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: Experian Information Solutions Inc. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 im XXXX  now.with no help.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (CA)

I used to be able to log in to my account on XXXX and see the current transactions, download statements, etc. But starting a few weeks ago, I can no longer log in. When I enter my login ID and password, it says " We're sorry, but for security reasons online access to your account is unavailable. Please contact Customer Service at XXXX. '' I called their 1-888 number on XX/XX/2022. The lady on the phone told me she reset my account and that I should be able to use " Forgot password '' to reset my password, or create a new online account after 1 hour. I tried both methods after an hour, but they still gave me the same error message. I called their 1-888 number again on XX/XX/2022. The person told me he created a ticket ( Case ID : XXXX. Operator ID : XXXX ) and that I should be able to reset my password in 5 days. It has been 5 days, yet I still receive the same error message ( " We're sorry, but for security reasons online access to your account is unavailable. Please contact Customer Service at XXXX. " ).
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

Please use this additional letter as confirmation that I hereby am now opting out of any and all authorizations, I the Consumer may have given you written unwritten verbal and nonverbal as per 15 USC 6802. ( XXXX, XXXX, or XXXX ) ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, or XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, or XXXX ( XXXX of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' For the record on a fourth attempt I am opting out of your reporting services. ( XXXX, XXXX, or XXXX ) interactive service agreement. Thank you for updating my account.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On XX/XX/2022 I noticed HSBC for a validation of debt, to which they have not responded. The validation also included several violations of the FDCPA and FCRA of which I invoiced them as well. HSBC reported my private transactions without clearly and concisely informing me of their intentions, which is a clear violation Gramm-Leach Bliley act 6802. To date they have failed to produce the requested information and have failed to correct their reporting of my private information.
Consumer complaint received 2019-05-20
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: EQUIFAX, INC. (CA)

three inaccurate and fraud accounts have bee reporting under my equifax credit reports, these i have been disputing them for the longest times, XXXX XXXX i never had any accounts with them XXXX XXXX, i have XXXX and as it appears this is a fraud collection agency, so as you can see these accounts are total inaccurate and fraud accounts under my name, please help me to remove these inaccuracies from my equifax credit reports only., than k you for your cooperation
Consumer complaint received 2019-05-20
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Credit Financial (NC)

I do not recognize the debt the collection agency is attempting to say that I owe. The dates they are saying I owe is incorrect and I did not take out a loan with the company they're saying I did. 

I have requested on XX/XX/2019 that they provide written proof of the debt, then again on XX/XX/2019. One of their representatives reached out to my father and stated that if I did not take care of the debt a bench warrant will be issued and I will be arrested. 

The representatives I have dealt with leave verbally abusive voicemails stating they are coming to my job to serve me, have yelled " XXXX XXXX will you give me your email!? ", etc. 

I have requested several times via phone and email that they provide proof of this debt and they refuse yet they continue to contact me. 

On XX/XX/2019 I received 8 back to back calls from one of their representatives,, I could not answer because I was at work. When I hit " ignore '' the individual proceeded to leave a voicemail and call right back numerous times putting my job at jeopardy.
Consumer complaint received 2023-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (PA)

My mortgage company is now Mr Cooper. They've recently had a security breach on XX/XX/XXXX. Ever since the breach, they have not posted my mortgage payments to my account. The payment will post and then to be returned as " insufficient funds '' when I have more than enough money to cover the mortgage payment. Now they are charging me fees and I'm XXXX months behind on my mortgage because they will not withdrawal the mortgage payment from my account. I have given them my account numbers seven different times and have spoken with five different associates. This problem is still ongoing and they keep blaming me and my bank and me or my bank ( depending who you speak with ). The payments missing are for XXXX and XX/XX/XXXX. Mr Cooper has since marked the payments as posted but they were not taken out of my account and will be " reversed '' as Mr cooper puts it because it's happened on four separate occasions now. This is an awful mortgage company and I hate that they own my mortgage.
Consumer complaint received 2022-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Hi I am submitting this XXXX XXXX this isn't 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 im XXXX  now.with no help.
Consumer complaint received 2019-05-20
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. (NC)

Equifax ; XXXX and XXXX are reporting incorrectly that I am in Collections, and 120 days or more past due, on the XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 17 and 18 of the attached credit report. I have rehabilitated these accounts and I am no longer in collection status. Also attached are copies of my bank statements reflecting these payments in accordance with my agreement for the rehabilitation program. This incorrect reporting is harming my credit score.
Consumer complaint received 2022-08-11
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. (OK)

I sent my letter off. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. 

According to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % accurate. According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. 

Accounts : XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-11
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. (TX)

I have wrong information on my credit report. 
My name is mispelled and have wrong addresses listed. 
I have written a letter a few years ago about this matter and nothing has been corrected. 
There is also misinformation about delequencies when payments were made. I disputed the negative information and they had XXXX day to investigate.
Consumer complaint received 2022-08-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (SC)

I received an online loan, Cashnetusa. I requested {$500.00}, but they would only approve {$1100.00}. I called asked my payment amount monthly and was told they couldn't tell me until deposit was made. Afterward was told payments would be around {$420.00}, with only {$100.00} something would go toward principal and over {$300.00} toward interest. I'm on XXXX and there's no way I can pay that amount monthly out of my SS benefits. It's crazy to think I'd accept that loan knowing I'm only paying back interest. I'm going to pay back their loan amount hopefully within 6 months and adding only {$300.00} interest. They will just have to sue me, because I was thinking payments would be reasonable. I'd be paying them forever with their payment arrangement. I'm willing to face the consequences because this is usury.
Consumer complaint received 2022-08-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX ( XXXX Credit Card ) I have three existing XXXX  XXXX Credit Cards but unfortunately, for just about 2 weeks now, my XXXX credit card has been giving me tons of headaches.. 

XXXX XXXX claimed that they only report once every cycle or month to credit bureaus, infact they did. For my latest statement balance, I only owed {$110.00} which was reported to the credit bureaus reflected as part of my credit report. But just last week, XXXX XXXX has started to GIVE INACCURATE information to XXXX and Transunion. They have forwarded my RUNNING balance which has affected my score. I made a dispute directly to the credit bureaus and Transunion has rectified the initial report, but XXXX XXXX still gave them an inaccurate information for the second time. My current running balance is at {$480.00} and at anytime, it will change. 

My GREATEST ISSUES : 1. Why XXXX XXXX is reporting my running balance even if they have already reported my statement balance.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: EAST WEST BANK (CA)

I filed a complaint/inquiry with the OCC who deferred it to their CAG, but they relayed it to the FRB, who instructed me to file a complaint/inquiry with the CFPB. 

I was added as a secondary account holder. I always wondered why I never had access to the account, expecting to receive mail or a debit card in my name. Recently, I went to visit in person to the East West Bank branches in XXXX, CA and XXXX, CA, respectively. Turns out, each banker told me I was never issued a debit card nor did I register for online access. I requested this in writing but they declined because they had " no ability to do so. ''
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-11
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. (CA)

I have letters from the 2 judges on two bankruptcy cases that were decisioned stating that the bankruptcies were filed under my name fraudulently and the credit agencies ( XXXX, Transunion, XXXX ) continue to report 1 of the two on my credit report. I have sent them copies of the judges decision and that it was fraud but it remains on my report. The Decisions were made on the following dates : XX/XX/2021 XXXX XXXX XXXX decisioned my case and I sent a copy of the letter within the next month to all 3 credit agencies and it was removed. On XX/XX/2021, XXXX XXXX XXXX decisioned my case and also stated that it was fraud that should be removed. I sent a copy of the letter and the credit agencys refused to remove it from my credit report, thus affecting my credit score and my ability to buy my first home. At this point, I feel helpless and I really need some assistance with this matter.