davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

Received solicitation for a loan as " PreQualified Offer ''. Went to website to inquire and see what was involved as I know the difference between " prequalified and preapproved ''. The online process had 4 steps. Steps 1 through 3 made the claim " this will not impact your credit report ''. At the end of step 3 a message appeared naming my application " pre-approved ''. The 4th step included a notice that this step MAY impact your credit report. I would not have proceeded except for the " pre-approved '' status from earlier step. My information and documents provided matched my application but I was denied after being pre-approved. Company claims this is standard practice but in my experience Pre-Qualified really just means pulled from some list of criteria whereas preapproved means if your information as shared is true, you are approved. So, despite my best efforts to be cautious I have a credit ding owing to their practice which may or may not be legal but if you go through their online process you will see it is deceptive
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2022-01-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (MS)

They were not willing to look at my solely income to come up with a flexible payment instead they are using my co-signers income to base my monthly payment which they should only use mine. The representative was rude with me and my co-signer as well. As well as the representative told me that I only had one option. This is jeopardize my financial stability. It appears Sallie Mae is trying to set graduates from school with failure, that is how it appeared with service from representative. My monthly income is XXXX not including my daily living such as rent, car insurance and daily necessities and still is causing XXXX XXXX. The representative only said it was going to last 12 months.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$6800.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-12-05
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. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Consumer complaint received 2019-09-05
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: Bread Financial Holdings, Inc. (CA)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX XXXX XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2024-08-27
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. (NC)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX  Balance : {$24000.00} XXXX XXXX Balance : {$9100.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance : {$3400.00} US DEPT ED XXXX Balance : {$2800.00} US DEPT ED XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-10-07
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. (AR)

XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Arkansas, XXXX Experian / XXXX XXXX. XXXX  XXXX XXXX, TX XXXX Re : Investigation Confirmation # XXXX To Experian Dispute Department To whom this may concern, I recently received your recent investigation results of the confirmation number that is above where you stated that the results from that investigation has been completed. '' As a result of your findings. " Im formally requesting in ( 15 ) days as required by FCRA regarding re-investigation the following documents specifically. '' Please send me the full arrangement ie, the 1. Contract with my signatures on it that says that 3rd parties are allowed to have my information that Id signed off on. Of which I know for certain that it doesnt exist because its not my debt for the following accounts below : DELETE XXXX XXXX XXXX XXXX XXXX DELETE XXXX XXXX XXXX DELETE XXXX XXXX XXXX XXXX XXXX XXXX v. XXXX XXXX XXXX, XXXX et al, XXXX Vs XXXX, and XXXX Vs Experian. All the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that XXXX XXXX XXXX, XXXX et al just can't use the XXXX System because its not considered reasonable. XXXX XXXX XXXX, XXXX et al can not just say that we went to the Creditor and/or Collectors and got this information and " they said that its verified '' and " we can say that its verified ''. No!

I'm sure that you are aware that the FCRA, allows damages up to {$1000.00} per each violation.

I am prepared to sue under the FCRA for non-compliance if this matter isn't handled amicably in ( 15 days ). 

And send me another credit report. 

Thanks!
Consumer complaint received 2024-08-24
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. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2019-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

We have called XXXX to try and resolve this issue, they refuse to resolve this issue and are violating fair credit reporting rights and screwing up my credit. 

The whole situation started when a relative who has NO INTEREST, NOT ON TITLE, NOT ON THE LOAN, had filed bankruptcy in XX/XX/2016. My first lender XXXX some how included me in the Bankruptcy and stopped mailing statements, and the 2nd mortgage did the same thing. This has gone on for almost 2.5 yrs. XXXX  refused to talk to XXXX about the situation. 

I have never filed bankruptcy nor before this issue have I had any issues with my credit. 
XXXX has resolved the issues and fixed my credit back to 100 %. XXXX has refused to work with me on this matter causing me financial hard shop and making it so I am unable to refinance my loans, causing my credit score to go lower.
Consumer complaint received 2024-08-27
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. (NY)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2019-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA (OK)

Received a phone call that I believe to be a scammer looking for info on Student Loans. She called from phone number XXXX ( Florida number ) and left a voicemail. She stated her name is XXXX XXXX she didn't state the name of a company she works for. She stated there would be changes to my student loan and that I needed to call her back to discuss my repayment options. The call back number she left is XXXX. She left me a reference number XXXX. This seems to be a scam because she didn't mention my name or who my loans are through. She had none of my personal info, but she was hoping that I would call her back to give her this information and likely force me to make payments towards some scam no associated with federal student loans.
Consumer complaint received 2019-09-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BMW Financial Services NA, LLC (KY)

i purchased XXXX XXXX XXXX back in XXXX of XXXX for my wife to be, or whom i thought it was just o find out she was only using me for my money. the wedding didnt happen, we broke off our engagement, went through tough tough times, struggling with finance for a long period of time, i had to give up the car because i can no longer make the payment.
Consumer complaint received 2019-09-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX and XXXX, I made payments of {$500.00} and then {$250.00} to a seller I found online for some jewelery. Fast forward approximately a week and it turned out that he couldn't do it. So when I asked him for a refund, he told me to call my bank and blocked me and deleted all his accounts. So I opened claims for it through my bank, Wells Fargo and I told them that I had screenshots to prove that I was scammed. They told me to save it for later, so I did. Claim numbers XXXX for the {$500.00} charge and XXXX for the {$250.00} charge. I called them today to check in and they said it was closed already because I technically sent the money. That's not fair. I got scammed out of {$750.00} and when I told them I had proof, they asked me not to send it and to wait. I would appreciate it if you could help me get my money back from them.
Consumer complaint received 2019-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I was charged {$630.00} on XXXX XXXX, 2019 from XXXX XXXX hotel. There coffee maker was left on and spewed water which burned me. The thermostat did not work after numerous times turning it on, and the curtains did not open. Within an hour and a half, I went to the front desk to request a refund and proceeded to make other arrangements. I submitted numerous documentation that I did not stay and proof that I attempted to contact the hotel ( emails, phone records, receipts, billing statements, etc ). I have several medical conditions from doctors that I needed a restful night of sleep. The hotel proceeded not to refund my card. I even planned a second trip and requested an invoice. The invoice shows no address and a blatant lie that I check out the following day at XXXX. I also submitted a screenshot and the url from the hotels guarantee that if I am not satisfied, I would get my money back. The hotel manager, XXXX XXXX wrote back to my bank insulting my mental condition because of all the documentation I provided ... As a valued merchant, I would hope that XXXX would be able to see this woman is not of sound mind. The hotel should not be penalized for this womans manifestations. In fact, due to the number of documents ( 153 pages ), she assessed I was clearly out of my mind. 

Citibank submitted all of my documentation to Visa via arbitration in which I believe Visa did not review. Citibank said pre-arbitration was declined. I am filing a complaint that Visa violated my medical status and sided with a business who knew of my medical condition and still continued to keep {$630.00}. I believe Visa denied my rights to a fair arbitration. 

I also requested that Citibank appeal this decision which they refuse to. The 2 people that were helping me were moved to other departments, and the new managers will not file an appeal. We need to be able to appeal a decision if the reviewer and merchant did not review any documents. In the hotel managers response, she admitted that she would not review any of the 153 pages.
Consumer complaint received 2019-05-13
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. (GA)

I'm a victim of identity theft. I sent Experian everything they required to fix this issue. I included my FTC Official Identity Theft Report, Police report, all documents, I even sent them a letter directly from a creditor that clearly states an account should have been removed. With all that sent to them, they still haven't removed 2 fraudulent accounts. There's literally nothing more I can send them. I just want this issue resolved quickly so me and my family can get our life back.
Consumer complaint received 2019-09-04
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: CITIBANK, N.A. (NV)

Received a letter dated XX/XX/XXXX from citicard that they have closed my account because my XXXX   membership has not been renewed. Actually it expires only on XX/XX/XXXX.
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

XX/XX/2019 XXXX, XXXX, Experian all refuse to give online annual free credit report as mandated by law, through the website XXXX XXXX   XXXXXXXX with no options or helpful information to make the online option work. 
Instead they ask for sensitive information to be sent through postal mail.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/year> Dear ( XXXX, Equifax, XXXX ) I received a copy of my credit report and I have found the following item listed below to be in error. This account is listed with late or missed payments and that is incorrect. The following account was NEVER late and should be listed as PAYS or PAID AS AGREED. The account listed below was put on a Financial Hardship agree as of XXXX due to a natural disaster in XXXX, FL . On this date XXXX was aware of three hurricanes hitting in my area. So I was advised by a representative that I would be put on a financial hardship agreement where I would only pay {$30.00} a month. I mad those payments and even paid over {$30.00} some months. Then XXXX XXXX XXXX was hit by hurricane Debbie that turn into a tropical storm. I contacted XXXX  again and they switch my hardship to a deferred plan. With both plans per contract they do not report to the credit bureau. I will be attaching statements that show I was making {$30.00} payments or more per my Financial hardship contract. 


XXXX + Account Number # XXXX I was never late on ( XX/XX/year> ) on this account please update the account as Paid/Current.
Consumer complaint received 2019-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (MD)

Afini credit collection company fasley reported and fraudulent account on my credit reports and when i reached out to the company they provided me with false information and I repeatedly told the Representative that this debt wasn't mine, XXXX ID number is XXXX he informed that this was my debt.. I asked XXXX were there any mail sent to me inreference to this debt and he informed me no so how do you place something on someone's credit without giving them the opportunity to defend the debt or their case and he stated they didn't have to notify me and than I asked to be transferred to a manager and he sent me to a coworker voicemail so I hung up and tried calling him back but of course I got another representative.
Consumer complaint received 2018-08-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have been Negotiating the Short Sale with 1 point of contact for since XX/XX/2018 and on XX/XX/2018 I was asked to resubmit the Entire Short Sale packet which was confirmed received. I have been calling for the last 2-3 weeks and speaking with different individuals who never once mentioned that the Short Sale was closed out until today XX/XX/18. also, they have filed for a Foreclosure Sale date on XX/XX/2018. The reason SLS States that it was closed out was that they could not verify the Successor in Interest ( letter attached ) which makes absolutely no sense since they were provided with the Letters of Testate from the Probate Courts on the XX/XX/XXXX. What shocks me is that nothing was ever mentioned until today. I'm sure that if I re-submitted the paperwork they would tell me that it was too close to the sale date and nothing could be done. Also, the Probate Administrator ( Successor ) filed a complaint with the CFPB about the Valuation being Incorrect and requesting an appraisal as oppose to a Brokers Opinion of Value. ( see Complaint # XXXX ). Nothing was done other than waste time intentionally. I verified with the home owner and they stated that they spoke with CFBP and were told that the lender hadn't responded and they could not help her. This seems like a Huge Scam on the Part of XXXX. I requested a copy of the Denial Letter that was only mentioned to me today and as the point of contact I think a simple Email or Phone call regarding the denial would have been helpful back when it was submitted. The letter is Dated XX/XX/2018. I am going to have an attorney step in to put things in order with this Lender. SLS had recently changed over to a different system so they mention but that is no excuse to what seems to be Deliberately stringing this along in order to foreclose on the property. Be very wary with Specialized Loan Servicing as they are not conducting Business Fairly and all should be able to see this complaint and use it as a reference when dealing with SLS. I'm certain they will do the same and not respond to this complaint like they did with the other complaint attached.