davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I recently reviewed my consumer credit report and noticed an account that was not reporting accurately. I had 3 late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and Ive attached a copy of my reports to this complaint on the following dates ( XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). These CAN NOT be accurate because the XX/XX/XXXX late payment says it was 90 days late but my XX/XX/XXXX payment was on time which is CLEARLY INACCURATE. I demand these payments be updated to paid on time immediately. Thank you
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Two account Appearing on my credit report I disputed the accounts under FTC Guidelines and Requested the information to be removed from my credit report I was told by Experian that the creditor verified the account with proof that the accounts our mine so I requested the information from Both parties and they told me that they dont have to provide me with any documentation from the Investigation. But under FTC 605B ( 15 U.S.C. & 1681 C 2- which states that these accounts must be removed within 4 business Days of receipt.of FTC report both companies deliberately Disregard it the Law
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2023-08-16
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. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC. (CA)

i have a robinhood account which allows fractional shares of stock to be purchased. i have approximately 11 and a half shares of tesla. each month i transfer money from my bank account ( XXXX dollars ) to my robinhood account. every day that i would log in it would automatically recognize my computer and show my balance. one day i tried to log into my bank account and could not log in speaking on a phone i spoke to support and he suggested i change browsers from XXXX to XXXX edge and i was able to log in to pay bills, and what i think happened was my robinhood account did not recognize my computer when i logged in it treated me as a new customer with no money, when i try to get hold of support it tells me to give my info which tells me there maybe someone with that emai lalready exists, i have sent my passport photo twice for verification and receive an email stating for me to verify myself by sending a passport photo how many times can i send a photo. please help.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NJ)

Hello I have had an apple card for close to 1 years now, recently someone tried accessing my apple ID, and tried to reset the password, I was diligent enough to stop them accessing my account but they called apple used my information and requested that my card account be closed on XX/XX/2023, they also reported charges I made for a video game I play online through a client called Steam, I contacted apple fraud and told them multiple times that someone tried accessing my account while I was talking to them I notified apple if anyone is trying to change my information it was not me. the next day before I leave work as I go to use my card to get an XXXX XXXX, noticed my card account was closed, I stayed up till XXXX on the phone with apple card services, and they keep telling me that I called earlier and requested that my account be closed, I said that's impossible I was at work from XXXX I had no way of contacting them, I contacted fraud and they said they will look into it, fast forward a week later and I'm talking to fraud and the said that I called verified my information and closed my account, which couldn't be further from the truth I asked if there was a way I could further verify who I was aka birth certificate, social security card or bank statements, files that only I could have access too, and they kept saying there was nothing I could do and I would have to re apply to get my account back, obviously very upset about what was happening, I put a freeze on my credit reports and put out a fraud warning across all accounts, then the next day I noticed some strange activity on my capital XXXX account, someone called pretending to be me and changed the card number on XXXX of my credit cards, Immediately called XXXX XXXX back and let them know I didn't call them to change my card number asked them to heighten security around my account because I just issued a freeze, I have an Experian account with fraud detection, and have just signed up for XXXX 's XXXX which XXXX signed XXXX the freezes with ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX alert, utilities security, payday loan lock ) I signed up for multiples freezes because I am scared of who has my information, I believe with apple card services was not being helpful at all, and I'm at risk of my credit hurting because of this, and its not my fault. though my XXXX account I'm notified of when my information is on the dark web and I have gotten notification recently that my email and password was out there as well
Consumer complaint received 2017-11-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CT)

Ditech is fraudulently trying to imply that I owe mortgage payments on a home equity loan that my father took out years ago. They are claiming that they acquired the mortgage from XXXX XXXX XXXX which has already had to pay a {>= $1,000,000} settlement for fraudulent lending practices. Greentree is dissolved and now they are trying to fraudulently do business as Ditech. They do not own and never have owned the debt note and are in violation of the law that forbids such actions. In the words of the former Director of the FTC Bureau of Consumer Protection XXXX XXXX XXXX " it 's against the law for a loan servicer to lie about the debts people owe, or threaten and harass people about their debts ''. Ditech has been lying and unlawfully broke into my father 's property and placed locks on the house and removed his merchandise valued at hundreds of thousands of dollars. I filed an Order to Show Cause motion with the Court but it was never answered which leads me to believe that the Courts may be complicit. They also had the items removed by XXXX XXXX XXXX XXXX which is not even registered to be doing business in the state.
Consumer complaint received 2017-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

This information is incorrect, because a deferment was filed to cover months. And no payments were due. So the negative reporting should be positive You 've paid off 100 % of your student loan amount. 
Balance {$0.00} Highest Balance {$26000.00} Monthly payment {$50.00} Opened XXXX XXXX, XXXX ( 11 yrs, 4 mos ) Term 120 months Payment History Youve made 44 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Current Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Student Responsibility Individual Remarks Dispute resolved ; customer disagrees Worst payment status 120-149 Days Late Times 30/60/90 days late 0/2/12 Closed XXXX XXXX, XXXX
Consumer complaint received 2017-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I have called equifax for a full two days. I promise on my life I have never received such horrible services. I ca n't even make this up and still in disbelief. On thurday XXXX. I called Equifax at XXXX to check on the status of a letter that was sent in to address unauthorized inquiries on my report. I have the Equifax Premier Plan which shows that I have multiple unauthorized inquiries on my credit report. When I go to the dispute link it does n't show the inquiries so I have called to address those concerns. While on the phone with a foreign rep and after explaining my life away about the issue he then transfers to me an agent then I have to reexplain myself to this foreign agent. Now this agent then go on to say they do n't see the inquiries and I explain to him that that is what my issues is. Its not showing on Equifax end but its showing on my end under my report with Equifax premier plan credit report. He then transfer me and from that point I 'm transferred a total of 6 times to other reps who stating I need to speak with another department. I was then hung up on after the 6 person whom I was transferred t. Before speaking to a U.S rep Im transferred to another rep who forgot to put me on a hold and you can hear him laughing and joking to a coworker and upon realizing it they place me on hold then hang up on me. This is after I have been on the phone being transferred for almost 2 hours. I had to call back and immediately asked could I be transferred to a U.S representative. Explained to the woman what have happened to me for the 2hours and she finally see what I was speaking of in regards to me having multiple credit profiles. Even she said she still had to transfer me to another department. I am close to tears because I 've never experience so much unprofessionalism in my life.
Consumer complaint received 2023-08-16
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (SC)

With regards to dealing with XXXX XXXX, Branch Manager of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, SC XXXX, regarding a VA loan, I ran into multiple issues, specifically regarding VA loan procedure and paperwork. For example on my loan estimate received the evening of Thursday, XX/XX/XXXX, was completely incorrect ( attached-corrected copy also attached ), most notably, XXXX had included a {$12000.00} charge for a VA funding fee, which I am exempt from due to my XXXX. Although XXXX had not yet received an official certification of my exemption from the VA, I did submit to XXXX XXXX XXXX, my official VA Benefit letter , as well as disclose my VA XXXX income. Additionally, XXXX included in my loan disclosure package, a Verification of VA XXXX form, Request for Certificate of Eligibility form, and Request for Certificate of Veteran Staus form, all of which were filled out incorrectly and I was locked out of making any changes to them in the electronic signing packet ( attached ). I brought this to XXXX 's attention, in writing via email on Monday, XX/XX/XXXX, and I have never received a response back from XXXX. The reason why this was so important to take care of Monday, was because Monday was the day I was contractually obligated to send the builder a conditional letter of approval by any lender I was looking to utilize, besides the builder 's preferred lender. 

Although XXXX sent a revised Loan estimate document ( attached ), he never unlocked the VA forms for me to fill out/complete/correct. 

The last time I spoke to XXXX was on Friday, XX/XX/XXXX. That conversation did turn heated, because I called him out on this erroneous paperwork. He then called my realtor, and she stated that he said he did not feel that he could compete with the builder 's preferred lender. This is not up to XXXX or any lender to decide. It is up to me to decide, and if he felt this way, then he should have had that conversation with me, not my realtor. 

XXXX claims to be a VA loan specialist, but a majority of the errors contained in the loan disclosure packet, had to do with VA paperwork and/or the VA funding fee. My concern being that other Veterans who are maybe on their first mortgage, may not pick up on these errors, or know that they are exempt from the VA funding fee, and is this lender praying on them, or taking advantage of their lack of knowledge.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: REGIONS FINANCIAL CORPORATION (IN)

On XX/XX/2023 I purchased a small amount of fireworks from a temporary store located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Indiana. The clerk verbally told me the total of {$35.00} and I paid and we left ( no receipt given ). On XX/XX/2023, I checked my bank account and saw the charge was for {$350.00}. I immediately drove the the store, but it had already closed up shop since the holiday had passed. I took a picture of the permit posted on the door, with a registration to VIP Fireworks and XXXX XXXX. I attempted that day to call the phone number associated with the store on XXXX, but no one answered. I immediately called the bank, Regions Bank to dispute the charge and filed a dispute with them. I received a denied dispute notification via mail on XX/XX/2023 that I needed to provide proof that I was entitled a refund. I have attempted to reach XXXX XXXX via email, social and even wrote letters to the addresses I had the ability to find for him, but my access to contact information for this individual is limited. I have been overcharged {$320.00}.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (MA)

Hello, I'm XXXX XXXX, i have an apple card from goldman sachs. My account has been restricted for no reason. I have been asking their support team for futher assistance. they all not giving proper response regarding the restriction. please help me with this situation.
Consumer complaint received 2023-07-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I reached out to Portfolio Recovery in XXXX and XXXX of XXXX AND due to them providing personal information to 3rd party Companys, XXXX XXXX, XXXX, and XXXX they have been providing false information and account information. They are in direct violation of the Privacy act of 1974. This information provided is negatively affecting my credit report I have disputed this with the credit bureaus for accuracy of reporting as well. This company is in direct violation of 15 U.SC 6801-6805 & 16 CFR 313.1 and U.S.C 1681 ( b ) No opt out notices were giving in regard to summiting non accurate information. This Debt was previously charged off by the original creditor XXXX XXXX. I do not have a contract with this company they also have not provided me with goods and services. This Debt was a charge off from prior creditor letter from them is attached.
Consumer complaint received 2017-11-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Designed Receivable Solutions, Inc. (CA)

On XXXX XXXX, I sent Designed Receivable Solutions collection agency a letter asking for a breakdown of interest charges. 

The original debt sent to me XX/XX/XXXX was for {$7700.00}. A breakdown was provided of said debt to this amount along with almost double the cost in interest charges with a grand total of over {$12000.00}. 

Since I ran my credit and I initially contacted this collection agency request for verification in XX/XX/XXXX, this agency has intentionally flagged my credit by increasing said debt weekly with zero explanation as to how this amount is charged. 

It raises red flags because the various amounts range from {$2.00} to {$22.00}. Each week there is a different dollar amount added and each month the total is different. This agency even decreased the amount by {$11.00}. 

They even reported to XXXX that I refinanced/renewed this account which is untrue. 

It amazes me how this company can find time to trigger my credit report weekly but can not find time to respond and when I question the interest on said debt, I receive no response. 

This company is ruining my credit and I want this debt removed. Thank you