davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against [ Equifax ] regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : Incorrect Name : My current legal name is [ XXXX XXXX XXXX ], but it is incorrectly listed as [ XXXX XXXX ] on my credit report. I request that my name be updated to reflect the correct information. 

Outdated Address : My current residential address is [ XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FLXXXXXXXX XXXX while my credit report shows an outdated address of [ XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX ]. I request that my current address be updated accordingly. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Consumer complaint received 2018-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MN)

On XX/XX/2018 I applied for an American Express Everyday credit card. I did the application online and was approved immediately. The credit card offer I applied for and was approved for was spend {$2000.00} within 90 days and receive XXXX membership rewards. I did charge the {$2000.00}, in under 60 days and have already paid {$1200.00} of the charges and have a pending automatic payment on the card. I called into XXXX on XX/XX/2018 to confirm I had met the spend requirement and to find out when my welcome bonus would post. XXXX informed me that upon further review they were denying my welcome bonus. I asked to speak to a supervisor, and I spoke to a man named XXXX. He said in their terms and conditions they had the right to deny me the welcome bonus for various reasons. They claimed I had abused XXXX welcome bonuses in the past. This is simply not true and I feel like they did a bait and switch offer. Had I not been eligible for the bonus, they should have told me that upfront rather than after I met the spend requirements. They kept citing the terms and conditions of the card, but there are no specific rules, instead they say it's at their discretion. That is a completely unfair practice and it's completely arbitrary on how they implement the rule. They essentially said we're required to keep a charge card that has an annual fee forever or they will ban consumers from receiving future welcome bonuses.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally register a complaint regarding the ongoing and unresolved issues with fraudulent items that continue to appear on my credit report. Despite multiple diligent attempts to rectify these inaccuracies, they persistently impact my credit history and financial standing. 

To provide context, I first identified the presence of fraudulent items on my credit report. Since then, I have conscientiously followed the prescribed procedures for disputing and removing these inaccuracies, including the submission of supporting documentation and evidence of the inaccuracies. 

Here is a summary of the actions I have taken in my endeavor to address this issue : I promptly contacted your agency and filed a dispute regarding the fraudulent items. I submitted all necessary documentation to substantiate my claims, which included evidence of the fraud and any relevant police reports. 

After not receiving any resolution or updates on my dispute, I initiated follow-up inquiries, during which I was informed that the investigation was still ongoing. 

Subsequently, I submitted additional disputes, reiterating my concerns and supplying any supplementary evidence that was requested. 

I have persistently attempted to communicate with your agency 's customer service department via phone and email to inquire about the status of my dispute, yet I have not received a satisfactory response. 

Despite my repeated efforts to rectify this situation, the fraudulent items persist on my credit report, inaccurately reflecting my credit history and detrimentally affecting my financial opportunities. 

I understand the importance of accurate credit reporting, and I firmly believe that your agency has a responsibility to ensure the correctness and integrity of the information within my credit file. Therefore, I respectfully request the following : A thorough and expedited reevaluation of the fraudulent items on my credit report. 

Immediate correction of the inaccuracies by removing the fraudulent items from my credit report.

A detailed written response that outlines the results of the investigation and the steps taken to rectify my credit report.

Assurance that measures will be put in place to prevent future occurrences of such inaccuracies. 

I anticipate a prompt and meaningful response to this formal complaint within the exact time frame from the date of this letter. Should my concerns not be adequately addressed, I may need to pursue legal remedies to rectify this matter. I am asking for your assistance to remove the inaccurate items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2020-04-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (TN)

XXXX : XX/XX/20 I received a " Brinks '' prepaid bank acct card ( with an already set up account with acct # and routing # ) a couple of days ago. This concerns me because this was unsolicited and when I called the customer service number ( NOT THE ACTIVATION # ) You can not get to a real, live operator. The systems loops you through choices of stealthily activating that card!!!! If you type in the actually number of the card, in order to move through the system and talk with someone ( it tells you that your acct is not yet activated ) AND THEN, it's asks you to put in your SS # for identification. I hung up and called the customer service line, where the experience of that was as I have described above. they stealthily are tricking you with options that activate that acct!!! This is bothersome to me - that I have received a " credit/debit '' card with an already established routing number and account number that I have neither activated or requested!!!!!!! Unfortunately I have shredded the paperwork - but kept the card. But am feeling like someone is trying to steal my identity, as this card doesn't have my exact name on it either!!!!!
Consumer complaint received 2020-04-18
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: EQUIFAX, INC. (IL)

XXXX continues to report the following items as deliquent over and over again after they had already appeared on my credit report as deliquent 1x or discharged underneath a Bankruptcy or deleted because it was too old. 

1 ) XXXX XXXX was reported as deliquenty 30 days 2x in XXXX and XXXX a ) I am challenging the deliquency of the account based on when payment was made in XX/XX/XXXX ) XXXX a ) The account was deleted in the past due to the age of the account. The account was also included in a Ch. XXXX Bkruptcy in 2017 3 ) XXXX XXXX a ) The account was deleted in the past due to the age of the account. The account was also included in a Ch. XXXX Bkruptcy in 2017 4 ) XXXX XXXX XXXX a ) The account was deleted in the past due to the age of the account. The account was also included in a Ch. XXXX Bkruptcy in 2017
Consumer complaint received 2023-10-10
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: Experian Information Solutions Inc. (MS)

This is XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 2020-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX continues to report the following items as deliquent over and over again after they had already appeared on my credit report as deliquent 1x or discharged underneath a Bankruptcy or deleted because it was too old. 

1 ) XXXX XXXX was reported as deliquenty 30 days 2x in XXXX and XXXX a ) I am challenging the deliquency of the account based on when payment was made in XX/XX/XXXX ) XXXX a ) The account was deleted in the past due to the age of the account. The account was also included in a Ch. XXXX Bkruptcy in 2017 3 ) XXXX  XXXX a ) The account was deleted in the past due to the age of the account. The account was also included in a Ch. XXXX Bkruptcy in 2017 4 ) XXXX XXXX XXXX a ) The account was deleted in the past due to the age of the account. The account was also included in a Ch. XXXX Bkruptcy in 2017
Consumer complaint received 2020-04-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Veristone Mortgage, LLC (CO)

This is what I believe to be construction finance fraud by a private " hard money lender ''. The lender is based in XXXX  State where it is registered as an LLC. It reportedly does business in all 50 states, including XXXX  where it is also registered as an LLC in good standing and where this scam occurred. 
In XX/XX/2019  I contracted with Veristone Capital LLC to provide construction financing for a single family residence near XXXX, XXXX  which I determined to sell. The agreement involved their providing construction funds in the amount of {$450000.00}. My contribution to the project was {$170000.00}. Construction began in XX/XX/2019. Very early on I began to experience difficulty in getting construction funds from them. At one point the excavator/concrete contractor abandoned the job due to funds not being provided and threatened to place a lien on the property. This abandonment ended only after I kept after them to pay the contractor, which they eventually did. Fast forward 2-3 months to when the framing contractor started and also was not paid as promised, threatened to file a lien, abandoned the job for over a month and a half, until I could finally get the lender to pay up. This damaged my working relationship with both contractors. Both contractors told me they had conversations with the lender and both stated they were lied to by the lender. Concrete and framing were both completed, or nearly so by the end of 2019 when the lender again began to slow pay and eventually stopped altogether. by this time lender 's investment totaled approximately {$270000.00}, leaving the project approximately {$190000.00} short. Although the house should have been completed in 9 months we have recently passed the one year mark and the note is due. Insofar as I was not provided the funds to complete the project, I have been unable to finish and sell. My expected profits upon a completed project should have been {$220000.00} to {$270000.00}. There is much email communication from me which memorializes the difficulties I had in getting funds from them and my belief that they never had the funds to begin with. My strongest belief is that they did not have the funds to lend but it is also possible that their intent was to provide only enough funding until they could step in and foreclose because the money lent could not be repaid. Either way, they breached the contract to lend and thereby created a situation to set me up for foreclosure. Although I have a great many emails, I'm attaching some of the more recent to lend support to this complaint. the name of the XXXX  based senior sales representative is XXXX XXXX. My main source of contact after the agreement was entered into is XXXX XXXX, Customer Service Representitive.
Consumer complaint received 2020-04-18
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: Experian Information Solutions Inc. (IL)

Experian continues to report the following items as deliquent over and over again after they had already appeared on my credit report as deliquent 1x or discharged underneath a Bankruptcy or deleted because it was too old. 

1 ) XXXX XXXX was reported as deliquenty 30 days 2x in  XXXX and XXXX a ) I am challenging the deliquency of the account based on when payment was made in XX/XX/XXXX ) XXXX a ) The account was deleted in the past due to the age of the account. The account was also included in a Ch. XXXX Bkruptcy in 2017 3 ) XXXX  XXXX a ) The account was deleted in the past due to the age of the account. The account was also included in a Ch. XXXX Bkruptcy in 2017 4 ) XXXX and XXXX a ) The account was deleted in the past due to the age of the account. The account was also included in a Ch. XXXX Bkruptcy in 2017
Consumer complaint received 2023-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: OneMain Finance Corporation (NJ)

The company OneMain Financial has Close the account XX/XX/2017 now the XXXX XXXX XXXX XXXXXXXX XXXX, XXXX is trying to collect {$1900.00} from me I didn't sign An agreement with this attorney. My account is closed
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (DE)

XX/XX/2020 I purchased the XXXX full monthly Experian membership as suggested to find a way to increase my score. The credit increase simulator tool suggested that I pay down my credit card utilization and I would get an increase of 66 points by doing so. I paid down that utilization to 0 dollars ( XXXX ) in total as instructed through the membership and instead it dropped my score 5 points. 

When I called on XX/XX/2020 I spoke with representative XXXX. Who could not explain why my score would have dropped and only understood my issue and concern. When I asked her who could explain it to me from Experian she suggested I hire a financial advisor as no one in the office is trained to know the answer to my question. When I asked her next what her ID number was in order to contact escalations and inform them of her lack of knowledge she did the Im sorry your phone is breaking up I can not hear you line and disconnected my call. 

I have been having an ongoing issue with Experian falsely and wrongfully decreasing my score and not helping me in understanding why. They falsely advertise that purchasing their membership is geared to help consumers in their process of credit rebuilding but do not help when you call. This is now my second complaint being filed with consumer finance on Experian since XX/XX/2020 and I still have yet to get any answers or return calls from someone more educated in the area. 
XXXX attempted to transfer me to the dispute department but there is nothing I can dispute this is solely an error or Experians end. I do not know what to do next but potentially take this to the news.
Consumer complaint received 2020-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OH)

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : Covergent Outsourcing Inc- {$830.00}
Consumer complaint received 2020-04-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (TX)

In XXXX i obtained a loan for a used car with which at the time was Wachovia ( know now as Wells Fargo ). At the time I obtained the loan I had my own insurance provider and carried full coverage auto insurance throughout the whole time I had my loan, well years later ( almost 14 years ) and unbeknownst to me Wachovia/Wells Fargo placed CPI onto the monthly note of my loan costing me thousands of dollars throughout the time of my loan. 
In XX/XX/XXXX i received a letter from Wells Fargo asking me for to verify what insurance company I was with during my loan to them 14 YEARS LATER. I DID however provide Wells Fargo with the information requested and to this date I have not received either any information or compensation for the monies that was fraudulently added to my loan without my knowledge or permission. I have contacted both Wells Fargo Office of the President and the office handling the CPI claims and to this date I have no resolve. 
It has now been over 120 days since Wells Fargo received the information I provided which is sufficient, adequate and an appropriate amount of time in which to resolve my claim and complaint. 
Your assistance in this matter would be greatly appreciated Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX. XXXX.
Consumer complaint received 2023-07-20
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: Bread Financial Holdings, Inc. (NY)

Someone opened a fraudulent account using my personal information : Comenity bank Victoria sectret. This is NOT my account and I would appreciate the immediate removal of this account from my credit. Please note the attached FEderal Trade Comission report.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

this is the 3 rd I have requested to have my Credit Freeze removed from my file My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Please remove any and ALL Blocks/Freeze from all my credit reports. 
DOB XXXX SS XXXX I have attached my ID and SS card.
Consumer complaint received 2020-04-18
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. (WA)

On XXXX XXXX I found several credit inquiries on my credit report that I have NO knowledge of. I followed the exact letter of the law and contacted the Credit Bureaus ( XXXX XXXX/Experian/Equifax ) and disputed the validity of these Inquiries. I ALSO contacted the creditors directly. Several representatives informed me that the name as listed on the account did not match my name spelling or other identity indicators others could not provide me with any information about the alleged application because their firms DID NOT retain the information on this inquiry.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (FL)

Enhanced Recovery Company Alleged Amount owed {$78.00} Account XXXX Original Creditor : 11 XXXX XXXX Original Creditor Information Enhanced Recovery Company XXXX XXXX XXXX XXXX, FL XXXX XXXX Enhanced Recovery Company executed continuous collection calls against me. Spoke with company in XX/XX/2020. I explained 1 ) their company information regarding me was incorrect 2 ) I do not owe money to Enhanced Recovery Company and 3 ) Please stop all phone calls immediately. Enhanced Recovery Company continued with its numerous collection calls. Days later, I filed a disputed with Credit Reporting Agency. Enhanced Recovery Company conducted an investigation. Investigation appeared to have concluded Enhanced Recovery Company was indeed reporting erroneous information. Enhanced Recovery Company supposedly removed their erroneous information from the credit reporting bureaus. However, Enhanced Recovery Company did not remove their erroneous information from all credit reporting bureaus ( this information was deleted from Experian but continues to be be erroneously reported to XXXX  ). As Enhanced Recovery Company 's erroneous information continues to appear and or reappear on my credit report, I continue to suffer damages due to Enhanced Recovery Company continued and erroneous reporting. My credit score is lowered because of Company 's erroneous credit reporting and I have been denied credit due  to Enhanced Recovery Companys ongoing erroneous reporting.
Consumer complaint received 2020-04-18
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. (FL)

I've tried to correct this account on many occasions and its becoming a headache. It's causing me much distress. Those accounts are unrecognizable to me. They are not mine.