davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
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. (NC)

My name is XXXX 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 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (MA)

This card charges an APR over 30 percent in addition, to monthly service charges of XXXX $ I scheduled my payment prior to due date. It process a day later I was charged a late fee. They will not waive it. I am XXXXXXXX XXXX XXXX  on fixed income. This should be illegal nationally. My options include defaulting, or bankruptcy.
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (WA)

On XX/XX/XXXX My wife and I made a one time purchase of several items. This purchase included 2 bar stools, The bar stools was never delivered to us on the first delivery. Then the 2nd time of delivery they were delivered broken so we did not accept them and returned them with driver. Then we went to the wherehouse to pick them up and again they wanted to give us broken bar stools which we did not accept them and decided to forget the purchase of them. We went to Ashley furniture on XX/XX/XXXX and had a big argument with the Supervisor of the XXXX store and requested a credit on the Ashley Synchrony Bank credit card, which they agreed on. The bar stools was removed from our purchase and a credit memo was completed. The cost of the stools was removed. Now I see the charge for the stools of {$230.00} was placed back on this month for a purchase that was never made on XX/XX/XXXX. I want the charge removed for the 2nd time and stay off completely and not charge me again for the purchase of broken items that we refused to take. My Ashley Synchrony bank card last digits are XXXX. I am not paying for broken items that we did not take. 
Synchrony bank took this charge completely off the credit card and balance in XXXX and then put it back on again in XX/XX/XXXX.
Consumer complaint received 2019-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I contacted American education services about my loan last night asking for a forbearance form because the payment for my loans I can not afford due to my XXXX XXXX XXXX being diagnosed with XXXX. They claimed they would send me my forms right away. I just received the form today, XX/XX/XXXX, which is when my loan payment is due. Like what the XXXX? This company does not care about anything but their money. This is why people should not go to college. Not only did they just send me my forms but they also send me an email two days ago saying my payment was due today. Why the XXXX arent I getting that email a week ahead of time??? Im starting to get so sick of this company.
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CT)

I did my banking with Wells Fargo. They approached me about a $ XXXX loan to pay off debt, which I took. Then, I hit a rough patch in steady employment. Later, I found out that Wells Fargo made up their own new rule, and unbeknownst to me, rolled out {$1500.00} as a charge off and took it off the bill ( it was hidden, I was unaware ). Now, years later they are saying I've missed payments on it, but I never saw that in a statement or bill. In fact, after I paid off both the loan and the credit card ( originating with checking/savings account ), I called them up and asked " Where is my pay off letter? '' That's when I found out. They can't sneak out a chunk to continue ruining my credit 4 or 5 years later, can they? 

I consider this predator lending. I do not agree to pay this {$1500.00} whatever fee. When I asked, they confirmed they want to charge me that. I tried calling several times, with the intention of paying a small portion of it, but couldn't get through. 

It was awful - they hounded me during a stressful time when I was job hunting and actually made me miss important calls and leads. Once I paid off both bills, ( {$2000.00}, {$5000.00} at max ), I thought this would be over and just the lates would be on my credit report. 

I don't think what they did / are still doing is ethical, nor do I believe I owe this amount ( otherwise I would have paid it ). I've never heard of this before. It was fancy accounting they were not up front and honest about. Once I learned of this 'bill ', and said predator lending, they sent me a {$50.00} check, but I don't recall ever cashing it. 

When I disputed this via XXXX, my credit score decreased by 16 points, which caused me to fall into a lesser category. This affects a potential mortgage, and I hope to move next year. I'd like them to explain to you and other banks how a secret charge off can get used as a secret weapon to ruin one 's credit and life. It wasn't very nice of them! 

I pay my bills, and would like my credit score to reflect that.
Consumer complaint received 2020-04-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I applied for the XXXX loan with Bank of American through their online application. On XX/XX/XXXX I received an email to upload documents regarding my business. I uploaded all documents on XX/XX/XXXX. On XX/XX/XXXX I received a call from XXXX XXXX from Bank of America introducing himself and saying that he was handling my XXXX loan application. On XX/XX/XXXX and XXXX I received an email saying that there were documents missing. I called XXXX on the XXXX and no answer and did not receive a call back. On XX/XX/XXXX I called again and received a call back from XXXX. During that conversation XXXX said that they did have all the documentation and to ignore the emails. I asked XXXX for an update on the application and when I will be getting the money. XXXX responded to me stating that the funds were depleted. I asked XXXX if my application was submitted and he got very nervous and said that he did not know. I asked, " Since you are in charge of my application how do you not know? '' XXXX said yes and no. And told me again that he did not know the status of my application and where it was and that he was going to look into it hung up, and still has not returned my calls. I strongly believe this is a case of unfair lending practices. That Bank of America never submitted my application because it was not beneficial enough to them or they are discriminating against small businesses.
Consumer complaint received 2019-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The following events occurred over the last 17 years which I believe led to the my identity theft. In XXXX I lost my social security card, in the year XXXX I was affected by the XXXX  data breach, XXXX I was affect by the XXXX XXXX security breach on my account for my children, XXXX I lost my wallet which included my state issued drivers license and other information and I lost my social in the year XXXX as well. I believe the above events led to thieves using my identity to open the accounts reported.
Consumer complaint received 2019-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$8100.00}, I requested that I would like some type of verification bearing my signature. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Consumer complaint received 2019-02-21
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: Experian Information Solutions Inc. (CA)

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$11000.00}, I requested that I would like some type of verification bearing my signature. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Consumer complaint received 2019-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$11000.00}, I requested that I would like some type of verification bearing my signature. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2020-04-12
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: TD BANK US HOLDING COMPANY (NJ)

i DID NOT AUTHORIZE THIS INQUIRY. The site says it will giveme an aswer in minutes which they did do. But they said it would be a soft inquiry. They instead did a hard inquiry making my score go down.
Consumer complaint received 2019-02-21
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. (CA)

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$11000.00}, I requested that I would like some type of verification bearing my signature. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Consumer complaint received 2019-02-21
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: EOS Holdings, Inc. (CA)

After sending certified, return receipt letters to XXXX on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report that there is an account in collections with Eos Cca, account # XXXX. I requested that I would like some type of verification for the supposed debt that was bearing my signature, and I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. Waiting over 30 days ( which is how long XXXX is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received any type of verification of any kind, let alone any type of verification of the supposed debt that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided by XXXX, I am seeking that this particular inaccurate assumption is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Consumer complaint received 2019-02-20
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: Experian Information Solutions Inc. (GA)

XXXX XXXX Credit card was open in XX/XX/XXXX and is currently in charge-off status. The 3 credit bureaus are only reporting back to XX/XX/XXXX. I am trying to confirm how this account was opened, online, in person or via mail, etc. I am also requesting payment history between XX/XX/XXXX and XX/XX/XXXX. I believe the date that this account should have stopped reporting has passed. I have attempted numerous dispute to obtain and verify information regarding this account. The result of the disputes is always updated with insufficient information. Please verify the creation of this account and provide payment history between the origination and XX/XX/XXXX.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX XXXX : {$8500.00}
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have used FICO, XXXX, and Transunion Monitoring Services, and the monitoring notifications does not match my actual report on all of the outlets. It's not even close. The notifications tell me that I have multiple collections and delinquency but on my actual report there is no collections or delinquencies. There is something wrong with the communication between Transunion and the monitoring system. Other people have said that it could possibly be a breach or a mixed file. There is someone who has the same name as me in California but she has a middle name, and I do not. I have recieved calls from the Sheriffs department and from Collection agencies that were looking for her. The only thing that the monitoring has in common is it is information being communicated from Transunion to these other monitoring outlets. I've called transunion multiple times, since the beginning of 2018, but no one is able to help me with the incorrect communication of information. They keep telling my credit report is fine, which I already know, but they dont understand that they are sending out incorrect notifications. The notifications in the monitoring systems just dont match what is on my report. For a while, everytime I saw another collections notifcation, I freaked out and ended up purchasing a report to make sure I didnt have a negative credit status. It's just so frustrating.