davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (OH)

I received multiple calls from a debt collector which I am unaware of the debt which I also explained to the representatives of the company.But they insisted that I make a payment which I was very uncomfortable with there approach. I would like for the collection to be removed/deleted from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (PA)

First I received communications from Source RM at the wrong address. Second they have no right to collect this debt. 3d I am in the process of working out a payment plan to the company which the debt is owed to. 4th Along with 2 other collection agencies they are trying to collect this debt. 5th Source RM has report false and negative information on my credit report causing me financial hardship.
Consumer complaint received 2023-01-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-10-28
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: GOLDMAN SACHS BANK USA (TX)

SOMEONE STOLE MY ID AND SOCIAL ALONG WITH OTHER PERSONAL INFORMATION TO OPEN UP ACCOUNTS IN MY NAME FRAUDULENTLY. I HAVE ENCLOSED MY POLICE REPORT AND ID THEFT REPORT.
Consumer complaint received 2018-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

XXXX Submitted on fraud issue : References : XXXX XXXX XXXX After attempting to get this problem fixed Equifax illegally froze my account without my authorization. 

The issue has finally been resolved but Equifax has not yet acknowledged, except on a phone call, that someone at Equifax broke the law when they added a freeze to my account after I specifically stated that they were not to do this. 

My whole issue here was that I wanted to be able to self-serve a freeze/unfreeze, so that if I needed to purchase something requiring a credit check I would easily be able to go into all three bureaus, unfreeze, make my purchase, and put the freeze back. 

What made matters worse is I didn't even KNOW this was done until I had a telephone conversation, and at that point she removed the freeze.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 2018-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

on XX/XX/2018, i sent Exoerian a certified letter, asking to remove OLD addresses and the various names that are listed on my credit report. They have NOT made the corrections, I sent a copy of my drivers license bearing my correct address along with copies of utility bills and even had it notorized!! 

The Only address that should be listed is XXXX XXXX XXXX XXXX , XXXX XXXX, Va XXXX My name is XXXX XXXX or XXXX XXXX all other name variations must be deleted This is inaccurate reporting, I cant not be reached at these addresses by United States Postal Mail. They have failed to update their database, and the entries should be deleted.
Consumer complaint received 2018-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

I have a bank debit/credit card from Jp Morgan Chase. On XX/XX/XXXX there were 3 charges from a XXXX  in XXXX XXXX. Card was never out of site or possession. It took 10 days to get replacement. You used to be able to go to branch, show ID and get new card. On XX/XX/XXXX, I was up late posting on one of my websites when I see a XXXX charge from. XXXX in California pop across my screen. I immediately call the number on my card. While I am on the phone, I go on my computer and see a second non authorized charge in Delaware and a XXXX cent charge and credit? While I am talking to agent inXXXX I get text from bank re calif XXXX charge, I reply NO, and continue with agent on phone who advises me 2 other attempted charges were made. I have card in front of me. It has not been out of my sight. At this point, I ask if Chase is having Internal Fraud, as having this happen twice in less than 2 months is a bit odd. They know nothing. Well, it, s XXXX. They promised they would expedite card, so I could get gifts, which I did not receive. I also have aotomatic payments being declined for second month in a row. And holidays have pretty much been ruined. And no reply as to what is goong on at bank. Help!!
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA (IN)

A XXXX XXXX credit card was opened in my name. I have applied for a credit card to this business, in fact, I have not applied for a credit card in over 10 years. XXXX of XXXX is also reporting the fraudulent activity, but recommended that I submit a claim to CFPB.
Consumer complaint received 2023-09-24
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. (TX)

1- My name, current address, current employer, are inaccurate and inconsistent on my credit report.

2- XXXX XXXX XXXX account is showing inaccurate information ( late payment, Balance, date open. More importantly, that company and the credit bureaus failed to obtain my consent to share my information.

3- As shown on the document attached, only one phone number belongs to me, 4- The XXXX XXXX XXXX added a collection to my credit report without any prior communication with me, failed to validate the debt and to provide any documentation substantiating the same.

5- The Bankruptcy on my account is not mine. It shows different account number and date for each bureaus. Both Bureaus failed to provide me with the source of their information and to verify the same.
Consumer complaint received 2023-01-04
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)

I  HAVE BEEN A VICTIM OF IDENTITY THEFT. I DATED A GUY YEARS AGO NAME XXXX XXXX, HE MADE ME BELIEVE THAT HE WAS IN LOVE WITH ME WHICH LED TO ME ALLOWING HIM TO COME TO MY HOUSE. I DIDN'T REALIZE THE TIMES HE WOULD COME TO MY HOME HE WOULD GO INTO THE FOLDER IN MY CLOSET WHICH CONTAINED ALL OF MY PERSONAL INFORMATION AND WOULD TAKE PHOTOS OF IT. ONE DAY, HE RANDOMLY VANISHED FROM MY LIFE AND I REALIZED THAT MY FOLDER WAS MISSING WHICH HAS MY PASSPORT, MY SOCIAL SECURITY CARD AND A TON OF CHILDHOOD PHOTOS. I HAD NO IDEA MY DOCUMENTS WERE MISSING UNTIL IT WAS TIME FOR ME TO USE MY PASSPORT TO BOOK A TRIP OUT OF THE COUNTRY. I CONTACTED HIM ASKING IF HE HAD SEEN IT AND HE MESSAGED ME BACK WITH A WINK FACE AND I NEVER HEARD FROM HIM AGAIN. SINCE THEN I'VE NOTICED A LOT OF NEW THINGS SHOW ON MY CREDIT. REMOVE AND BLOCK THIS FRAUD INFORMATION FROM MY CREDIT WITHIN THE NEXT 4 DAYS.


FRAUDULENT ADDRESS:

XXXX XXXX XXXX XXXX, CA XXXX

FRAUDULENT ACCOUNTS:

Account name
XXXX XXXX XXXX
Account number XXXX,
 
Account name XXXX XXXX XXXX
Account number
XXXX,
 
Account name
XXXX XXXX XXXX  Account numbeXXXX XXXX,
 
Account name
XXXX
Account number
XXXX
 
Account name
XXXX XXXX XXXX
Account number XXXX,
 
 
Account name
XXXX
Account number XXXX,
 
 
Account name XXXX
Account number
XXXX,
 
 
Account name XXXX
Account number
XXXX, XXXX XXXX XXXX
 
Account number: XXXX, XXXX XXXX XXXX
 
Account number: XXXX,
 
 
XXXX XXXX XXXX
 
Account number: XXXX
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Billing statement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SD)

I have a credit card account with USAA XXXX. I used the no paper option and conducted all business with them online. Last year I began to have problems with their security system. For reasons I am unable to understand, they began to lock me out of my online account. After the second time this happened, I decided to close the account. I wrote a letter to them dated XXXX/XXXX/XXXX requesting that they close the account and send me a final paper statement. I received no response. On XXXX/XXXX/XXXX I wrote a second letter, requesting the same thing and specifically revoking the " paperless '' option for all my accounts with them. Again, I have received no response. Since, I am locked out of my online account, I ca n't determine if there is any final balance on the account, and if so, how much.
Consumer complaint received 2018-12-25
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: JPMORGAN CHASE & CO. (OH)

I even lost track years later attempting to resolve this with Chase. I was supposed to be able to use points on my XXXX card on XXXX. That never happened. I erroneously blamed this on XXXX. Today I dug deeper and found that SOMEONE at Chase had entered false information into my points summary. " You've asked us to not share your points for CREDIT CARD ( ... XXXX ) with XXXX. '' This could not be further from the truth! Why call the number on the back of the card? I already called years ago! I should not be forced to be babysitting this issue.
Consumer complaint received 2018-12-25
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: PNC Bank N.A. (FL)

on the XX/XX/18 i went to PNC bank to pay my monthly credit card bill i was told by the bank representative that card i was using was discontinued so he was going to send me a replacement card. i tell him that's ok. two weeks later i received a letter from PNC bank saying i was denied credit because of low credit score, the letter came on XX/XX/18 i call the bank on XX/XX/18 to let them know i did not apply for any new credit they were supposed to send me me a replacement card for the one i had which the representative says is discontinued and i did not authorized him to run my credit score, and he didn't mention anything about my credit score we did not have that kind of conversation so it has to be a mistake. they apologize for what happen and told put it in writing disputing what happen and mail it to them, which i didn't.
Consumer complaint received 2023-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

On XX/XX/2022, the property I owned was sold, and the total owed to PHH Mortgage was wired to them by the buyers attorney. PHH says they never received the payment, despite confirmation from the bank that it went out to them and was not returned. They continue to say I owe them the payoff and that I am behind on my XXXX, and now XXXX payments. I no longer own the house and I am very worried about what this will do to my credit rating, Ive had many exchanges with them, as has the buyers attorney.
Consumer complaint received 2017-01-11
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: GMA Investments, LLC (MD)

Summit Receivables has been calling several times a day, and leaving multiple messages per day on voicemail -- they left a detailed message on my cellphone before they had verified the number was mine. They left a voicemail on my manager 's phone at work as well, only minutes after they had already left a message on my cellphone ( violating the multiple contacts per day rule ). The message on my cellphone said I had made them a payment which did not clear my bank -- which is false, I have made no payments to them. They claim to have sent me written mail to verify the debt, which I have never received, and are refusing to send additional written verification. I can not contact them in writing because I have not received anything from them, to which I could respond. 

Every voicemail they have left on my phone claims I have bounced a payment *with them* which is patently untrue because I have not made any payments to anyone through Summit Receivables.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (MD)

I went into XXXX XXXX to get approved for a vehicle. Ive been approved but my credit keeps getting ran. So far there are XXXX inquires that I dont know about and they need to be removed.
Consumer complaint received 2018-12-25
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: PNC Bank N.A. (FL)

I am a victim of identity theft and the criminals tampered with a new car loan that I started with PNC BANK in XX/XX/2018 by stealing my mail and other documents that were set up between XXXX XXXX the car dealership where I purchased the vehicle from. Also, he or she called into PNC Bank and changed personal information of mine such as my mailing address associated to my auto loan. 
In addition to the identity theft crime ; checks that were placed in my mailbox were stolen from my outbound route and were cashed from an unknown third party which the back is investigating and has credited me the funds. In result to that, I have received 30-59 Days Late days late on my credit profile for XX/XX/2018 and XX/XX/2018. 
I've contacted PNC Bank via phone and certified mail providing my explanation of the identity theft, XXXX XXXX Police report, United States Postal Police Identity Theft Report, and FTC report about this matter and was instructed there is no way to fix the inaccurate information that was reported to the Credit Bureaus
Consumer complaint received 2018-12-25
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)

I have submitted twice to Experian to have a closed XXXX XXXX account updated to show it closed in XX/XX/2018. Both times they updated it to show charged off at a later date. This account should show closed and no further activity after XX/XX/2018 when it was paid in full and closed. Experian has failed to update this account properly and continues to make errors on my report.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I sent a letter off to all 3 credit bureau XX/XX/2022. 

Here is my tracking numbers # XXXX # XXXX # XXXX. 

To remove personal information that I dont not want on my credit report. 

According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.
Consumer complaint received 2016-05-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (WI)

I filed for a XXXX Modification with XXXX. XXXX sold the servicing to Shellpoint mortgage servicing. Then XXXX sent a letter to disregard the last letter. All " Initial Package '' per XXXX Guidelines, RMA copy attached include 1 ) RMA Form, 2 ) IRS form XXXX, 3 ) Evidence of Income and 4 ) Dodd-Frank All have been submitted. " Bank Sanctioned for Failure to Consider Loan Modification ''. I would like Shell point servicing to be considered for Sanctions. I was told that the Sale date and foreclosure were Suspended per XXXX and XXXX of the XXXX guidelines and My demand letter dated XXXX/XXXX/XXXX was never answered to me ( Third party auth on file. The sale date is tomorrow with on service or acceleration letter issued. The only issue is that we submitted the XXXX tax return and submitted a XXXX tax return instead of the XXXX. Now they want a XXXX submitted as well I guess the XXXX is not good enough. There was no written certification done as required by XXXX and XXXX of the XXXX Guidelines. The complete doc 's from XXXX have not been considered which were a complete package.
Consumer complaint received 2018-12-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IN)

I have a fixed rate loan at Navient which I have been paying on for almost 9 years. Going thru my payment history I noticed that each month the interest is different and not by small amounts. {$8.00} one month and the next {$23.00}. Other months {$4.00}, {$6.00} even {$16.00} more than the previous months. There should not be that much difference month to month. Something tells me shady bookkeeping is going on. Have paid {$2100.00} on interest in all these years. Sent a email to Navient on XX/XX/2018 about this issue and also said I would be reporting this to CFPB. 
Thank You for your Help
Consumer complaint received 2023-09-24
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: EQUIFAX, INC. (GA)

I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN
Consumer complaint received 2015-04-30
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

1. I applied for a loan thru capital one auto finance in order to purchase a new van on or approx XXXX XXXX 20152. I got approved by capital one auto finance with no further documentation or verification needed. ( see approved and no doc needed email attached ) 3. I went to the dealer freehold ford to complete the process and obtain the " VIN '' number of the vehicle i was interested in and finalize the sale. 

4. As required by capital ones process and " navigator '' system i entered the " VIN '' into the system .The system came back with a approval of both the vehicle and gave me the Interest rate, Terms, and payment amount as in the attached " XXXX capital one approval '' email. 

5.The dealer XXXX XXXX was listed on capital ones website as a " preferred dealer '', however XXXX ford did verify my capital one approval etc however they was n't listed on capital one 's end of the system as a dealer since it was a revised financing program and were dropped as a approved dealer so the dealer had to resign up and get trained in the new processing procedure. 

6. I the Interim the dealer received the vehicle ready for delivery and i received a additional approval from a dealership financing source and signed a financing agreement at at much higher rate and payment in the interim until the dealer was fully setup in the system to finalize my deal from the dealer end .It was understood that i was to be financed via capital one ( see " i owe you '' doc attached ) however in order to take delivery they had another bank as well to fall on. 

7.The dealer finally got reactivated into capital ones system however they withdrew the approval verbally last minute citing that the vehicle " was commercial " and also " they dont finance vehicles over XXXX passengers '' to note, the vehicle was " approved '' by their " navigator '' system by giving me the rate and terms it did not state on the system that the vehicle was n't approved etc! otherwise i would not complete the sale or take delivery. so here im left with a vehicle at a very high rate and payment as outwardly the dealer stated that a lot of banks wo n't finance it as it can be considered commercial use however santander approved financing ( santander was only supposed to be to take delivery, until the dealer was set up with capital one ). 

8. On or approx XXXX/XXXX/2015 capital one sent a letter citing denial due to application submitted was incomplete or can not be verified which was untrue, as on the approval email it was clear that no further documentation or verification was needed and i received verification from the navigator software that the vehicle was approved and they provided the terms and payment amounts due. In addition the application does not expire until XXXX/XXXX/15 so the excuse for final denial is void and inexcusable
Consumer complaint received 2018-12-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PREFERRED CREDIT INC (TX)

A Salesman from XX/XX/XXXX tried to sell me a bed for over {$5000.00} I repeatedly told him I could not afford a {$5000.00} bed after 5 hours trying to sell me the bed at {$5000.00} told me I could have it on sale today only for {$2000.00} After I agreed and signed papers at {$200.00} he later added numbers that brought it to over {$5000.00}. The money to buy the bed was loaned to me by preferred credit, I am Bankrupt since 2009 XXXX and only draw Social Security. The sale of the bed at the price of over {$5000.00} was fraudently done