davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX, XXXX XXXX XXXX and Experian refuse to remove the accounts from my credit. Even though those were never late and we 're both included in a bankruptcy chapter XXXX that i filed in XXXX XXXX. It is well over 7 years since filing, and they refuse to remove it, I have disputed it several times before to no luck. Even on their own website, Experian explains that they are removed 7 yrs from the day of filing, they state that both accounts are to remain in my report until XXXX, even though the 7 years after filing have already passed, in fact it is about to be 8 yrs now. This is harassment, what is the point of filing and paying if they will do whatever they want in spite of the law?. Please right this wrong, they are supposed to remove this from my report yet refuse.
Consumer complaint received 2015-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (OR)

I have been monitoring my credit report the last 3 years since my chapter XXXX A week ago on XXXX my Equifax score plummeted XXXX points!!!! they now say I am a XXXX. That is a score for people that DO NOT PAY THERE BILLS! I was denied credit lately for my wife 's XXXX present, if I was to qualify for a loan it would be 20 % or Higher. I am a homeowner 5 pmts on time own a XXXX ram, 16 payments never late, a recreational loan for 3 yrs never any late payments. I am in the same category according to Equifax as some one delinquent on a mortgage, a vehicle repossession and numerous credit charge off 's. As you can clearly see I have paid perfect since the chapter XXXX is n't that what I am supposed to do? I have said over and over the credit reporting agencies are FLAWED and if this does n't get resolved I am going to hire an attorney and file a class action law suit. I have a customer c come in the other day, 8 late payments a vehicle charge off and they were still higher than my score. This is unfair please get this corrected.
Consumer complaint received 2024-11-23
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-09-15
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Home Mortgage Alliance Corp. (HMAC) (CA)

I had worked with XXXX and XXXX XXXX trying to refinance my loan. Everything was great and they worked hard to earn my business over my current mortgage company which was trying to have me refinance with them. All was great until the loan did not close on time.. which was going to cost me an additional XXXX in interest. Premier Option Mortgage was no longer able to follow through on their promises and I backed out of the refinance as it no longer made financial sense for me. They blamed me for delaying the closing although there was ample time and I was never forewarned that the closing would not occur on time as promised. After I backed out of the loan, they got very nasty!!! They will still not give my current loan company the FHA number so they can proceed with the refinance after multiple calls to them. Other false promises that the company made include they stated that they would reimburse my appraisal fee regardless of whether they were able to proceed with the refinance or not as they were confident they would earn my business. After the deal fell through, they are stating that they never stated that and will not reimburse for the appraisal as they had previously promised. Also, before I pulled out of the deal, XXXX had promised that he would pay {$500.00} towards the first payment and later told me he never said that. Luckily that was in writing and then he pretended he did not remember. I have XXXX concerns ... they will not reimburse the appraisal as promised and more importantly, they will not provide the FHA loan number so that I may finalize my refinance. They make false promises to get people in the door. I wish I had recorded my phone conferences.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-10-17
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: Experian Information Solutions Inc. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX  who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MA)

the information on my credit score is all over XXXX years old i got hurt at work in around XX/XX/XXXX and tried to go back to work in XX/XX/XXXX but could not now i am trying to go back to work again and this credit score will not let me do any thing i have to work for myself because my injury makes me very unreliable why does n't workmens comp take care of me why do i have to have social security pay me not even near what i was making this country does not take care of its working men when they get hurt on the job i worked hard all my life i was getting ready to retire now i am homeless and have nothing
Consumer complaint received 2015-06-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have called TransUnion several times. My health insurance paid a bill that is on my report as collection. TransUnion does not seem to care and this is reflecting a job offer. XXXX XXXX XXXX, XXXX ignored letters from my XXXX XXXX XXXX requesting additional information. XXXX has on file the amount of times they notified XXXX XXXX XXXX. I called XXXX several times and one time to tell her that I drove down to XXXX XXXX XXXX to obtain copies of the visits to send to XXXX. I then let XXXX know that XXXX has everything they need and will process and pay the claims. XXXX ignored my communication and sent it to collection. XXXX XXXX XXXX refused to refill my prescriptions until I paid the invoices. XXXX has paid them and they have cashed the checks. XXXX has said several times that she reversed the collection. Each time I call the collection agency they state no one from the office will confirm. Meanwhile this is on all my credit reports when in fact I am owed money.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2015-11-06
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (NY)

I WAS IN THE MARKET FOR A SPECIFIC HONDA ACCORD COUPE. I WENT TO XXXX XXXX HONDA, AND SPOKE WITH XXXX XXXX XXXX, A SALES PERSON THAT I HAD DEALT WITH PREVIOUSLY. I ASKED HER IF SHE HAD THE VEHICLE I WANTED, SHE SAID YES. I ASKED FOR THE COST AND SHE REPLIED THAT SHE HAD TO ASK HER MANAGER XXXX XXXX. WHEN SHE RETURNED SHE STATED THE THE COST OF THE CAR WAS $ XXXX. I THEN ASKED HER WHY WAS IT SO HIGH AS I HAD RESEARCHED THE CAR, AND THE MOST THEY WERE ASKING FOR THE CAR FROM XXXX, AND THE BEST PRICE, WAS {$31000.00}, IF I 'M NOT MISTAKEN. I THEN ASKED HER IF THAT WAS THE BEST THEY COULD DO, AND AGAIN SHE HAD TO SPEAK WITH HER MANAGER. AFTER AROUND 15 MINUTES, SHE RETURNED AND TOLD ME THAT THEY WERE DISCOUNTING THE CAR BY {$990.00}. I ASKED HER IF THAT WAS THE BEST THEY COULD DO, SHE REPLIED YES, THE CAR IS IN GREAT DEMAND, AND WELL, NEED I SAY MORE. I ASKED IF I COULD SEE THE CAR, SHE REPLIED THAT THE CAR HAD BEEN MOVED, SO THAT NO ONE COULD SEE IT. I TOOK IT AT FACE VALUE. SO WE STARTED WITH THE TRANSACTION. NOW I HAD A DRAFT FROM THE XXXX XXXX XXXX XXXX, FOR THE BALANCE OF NEW CAR AFTER THE TRADE IN. THEY EVEN REQUESTED ASSURANCE THAT THEY WOULD GET THE LEAN RELEASE FROM THE XXXX, WHICH XXXX FAXED TO THEM, TWICE. BUT THEY STILL WOULD N'T RELEASE THE NEW CAR. WHEN ALL THE TRANSACTIONS WERE DONE, THEN THEY TOLD ME I COULD PICK UP THE CAR. WHEN I ARRIVED HOME, I WAS REVISING BY PAPERWORK, AND TO MY AMAZEMENT, THE MSRP ON THE VEHICLE WAS, {$33000.00}. WELL AS YOU CAN IMAGINE I WAS HIGHLY UPSET. I DID N'T CONTACT XXXX XXXX, THE NEXT DAY TUESDAY BECAUSE SHE WAS OFF. BUT I DID SEND HER AN E-MAIL EXPLAINING HOW I FELT, THAT ACTION I WOULD TAKE IF THEY DID N'T MAKE THE SITUATION RIGHT WITH ME. I FELT LIKE A COMPLETE IDIOT. HOW I LET THESE PEOPLE TOTALLY DISRESPECT AND HUMILIATE ME. I SERVED MY COUNTRY IN THE XXXX XXXX XXXX, FOR 20 YEARS, I 'M ALSO XXXX, AND THEY STILL SAW TO TAKE ADVANTAGE OF ME. WHEN I FINALLY SPOKE TO XXXX XXXX SHE TOLD ME THAT THEY HAD TO RAISE THE PRICE BECAUSE THE CAR WAS IN GREAT DEMAND, AT WHICH TIME I POLITELY HUNG UP THE PHONE. WHAT I REQUESTED FROM THEM TO MAKE IT RIGHT, WAS TO GIVE ME THE CAR AT COST, BECAUSE OF THEIR DECEPTIVE PRACTICES. FOR THEM TO RETURN THE DIFFERENCE BACK TO XXXX, WITH AN APOLOGY. AFTER THIS I RESEARCHED THEIR HISTORY, AND TO MY AMAZEMENT, THERE WAS ACTION TAKEN BEFORE ON THIS DEALER FROM THE ATTORNEY GENERAL 'S OFFICE, WHO I WILL ALSO SUBMIT MY COMPLAINT. I JUST WANT TO MAKE SURE THAT THEY DO N'T TAKE ADVANTAGE OF ANY ONE ELSE. THEY ARE A BUSY DEALERSHIP, I WONDER HOW MANY OTHER PEOPLE THEY HAVE DECEIVED. YOUR HELP IN THIS MATTER IS GREATLY APPRECIATED. THANK YOU
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: VYSTAR CREDIT UNION (FL)

Two fraudulent charges were applied to my account. I reported them. The account number was changed. Unfortunately, the company failed to credit and/or correct the charges, repeatedly. I am now on the fourth card number after a month of calling. They are unable or unwilling to make the correction. 

Currently, two fraudulent charges for {$100.00} from XX/XX/year> and two credits, ( {$100.00} ) and ( {$99.00} ) are showing on my account which leaves a {$2.00} balance. 

Previously, they illegally reported a {$100.00} balance to the credit reporting agency. 

They can not explain why they credited different amounts than the original fraudulent charges.
Consumer complaint received 2016-01-27
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Neon Newco Corporation (AR)

I bought a netspend debit visa card and they ask for name, address, date of birth, social security number this is a identity theft in the making. And when told NO these people set limits to you which I could not pay an important bill online nor get my money back. Then they tell you they ca n't reverse it. Custom service is poor and keep you on hold for long periods of time ... ..I should n't have to give my social security with all this identity theft out here to use money I put on a card. I 'm very hurt by this I filled ripped off and taken advantage of by netspend
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This all started with a payment in XXXX. In XXXX I paid off the my XXXX XXXX XXXXXXXX. I did that with a cashier check. I then put that card on auto pay. 
In XXXX, the very first payment on autopay, XXXXXXXX XXXX decided to take the payment to take the payment via XXXX. The issue with that is ; a ) I didnt authorize them to take the payment using that method. 
b ) I dont have or have I ever had checks/checkbook to this account. Its a XXXXXXXX XXXX account and this particular account doesnt have a check. 
So, when XXXX attempted to take the money my bank as they should replied send back to sender. At the time XX/XX/XXXX there was more than enough money to have covered the {$14.00} payment. 
Nobody from XXXX attempted to call me. Rather they waited until the payment was 60 days past due to inform me and even the app made it look like XXXX XXXX XXXX payments was good until they XXXX day where that app suddenly had XXXX payment returned. 
I called XXXX back XX/XX/XXXX did to an email stating that my XX/XX/XXXX payment hadnt posted. 
I called the bank to make the payment and thats when finally they informed me of the late payment from XX/XX/XXXX. 
When I looked at my bank statement Didnt see a charge, I didnt see where money had been returned, And in fact, I had more than enough money to have covered that payment. 
I called XXXX and they informed me that the way in which XXXXXXXX XXXX attempted to charge you made it seem like you had written them a check so we returned it back to sender. 
So by the time I found out, it was already 30 days past due. They reported it to my credit and Ive tried to work with them. No one really listens. 
I was supposed to refinance my house last month and due to this delinquent payment I will not be able to refi, my home For another XXXX months or more. 
If XXXXXXXX XXXX wouldve done a regular ACH withdrawal as they had been doing for the last two years, We would not be in this mess. 
XXXXXXXX XXXX is refusing to take responsibility for what its done. They claimed that they were investigating honestly I dont think that they were. If someone would just take the time and take a look at it, this matter couldve been resolved. 
The false check number that XXXX submitted to my bank was check number # XXXX. Which is troublesome to me because I never wrote a check. So how and why would XXXXXXXX XXXX XXXX XXXX XXXX a check number that doesnt exist.
Consumer complaint received 2016-01-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ridge & Valley Realty, Inc. (CO)

The debt in question was for medical services received by my ex-wife. Bills mailed to my address were sent in her name, so I did n't open, were forwarded to her new address, and were never paid by her. Now, the debt has been reported to a collection agency under my name, which the collection says is legal because the debt is for medical services my ex-wife received while were were married/separated. I was never billed by the office where services were received, and only learned of the debt after it went to collections. When I called the medical office to request information on the debt, HIPPA laws prevented them from being able to share any information, including the date of services received ( which makes it hard to dispute whether or not services were even received before the divorce was final ).
Consumer complaint received 2016-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NJ)

I disputed Account # XXXX XXXX XXXX XXXX with credit reporting agencies XXXX, Exquifax and XXXX XXXX on XXXX/XXXX/2016 as soon as this account appear on my credit report. I did not receive any commucation from XXXX XXXX XXXX and I did not receive any letter of validation statement with disclosure to let me know about this account or any other account that I had open from any medical bills. Below is the respond from Equifax and XXXX The Results Of Our Reinvestigation Collection Agency Information ( This section includes accounts that have been placed for collection with a collection agency. ) XXXX We have researched the collection account. Account # XXXX The results are : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CT XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX ; Collection Reported XXXX ; Assigned XXXX ; Creditor Class XXXX XXXX ; Client XXXX XXXX XXXX XXXX ; Amount {$410.00} ; Status as of XXXX Unpaid ; Date of 1st Delinquency XXXX ; Balance as of XXXX {$410.00} ; XXXX ; Account # XXXX ; XXXX : XXXX XXXX XXXX XXXX CT XXXX : ( XXXX ) XXXX
Consumer complaint received 2015-12-17
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Earnest Inc. (NJ)

I applied to have my student loan refinanced with " Earnest '' and the company quoted me at a rate of ~5.2 %, but when the loan was approved the rate was increased to 6.86 % with not explanation even though I have an " Excellent '' credit score. And when I asked the representative to investigate why the rate changed she said she would check with the underwriting department and get back to me. That was two weeks ago and now she is ignoring me. This is a classic example of " bait & switch. ''
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This morning, I was shocked to find inaccurate accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, there were errors that appeared out of nowhere. I even tried refreshing the browser, hoping it was just a glitch, but nothing changed. I need the documents Ive submitted to be thoroughly reviewed so I can put this issue behind me for good.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.