davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-29
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: EQUIFAX, INC. (IL)

I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regard to an account that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to Equifax several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've filed a FTC Identity theft report and sent it to all three credit bureaus and even the company that's reporting. I've called Equifax and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported are : XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I have even sent copies from XXXX & XXXX   showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Consumer complaint received 2021-10-15
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: EQUIFAX, INC. (GA)

To whom it may concern XXXX XXXX XXXX a natural person, consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from Account XXXX. Be advise pursuant to 15 USC 1666b ( a ) ( b ). 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. 
( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. 


I am notifying you in writing that I would like these late payment ( s ) removed immediately. I am also demanding that you reframe from ever reporting another late payment ( s ) future wise. I hope that you comply and that this issue will be resolved and handled here amicably
Consumer complaint received 2021-10-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I have disputed through Experian and XXXX XXXX  regarding my XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have asked that these be removed from my credit report. If the account is marked current and/or closed why can't it be removed? I have asked over and over again
Consumer complaint received 2019-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (OR)

I applied for a credit card at XXXX clothing store several years ago and never received any follow up information about it so since that time Ive just assumed that I was never approved at XXXX. Ive recently checked my credit score and saw that I do have an active XXXX credit card of which I dont know any information on because I didnt know I had one. Ive called XXXX to try and get that card canceled and they say that I dont have one. Im not understanding why it would show on my credit score as an active credit card with a {$250.00} limit that I own when I dont have one and the company says I dont have one. It is hindering my credit though to have an open credit card that Im not using and I would like for it to be removed. How can i do this?
Consumer complaint received 2022-01-09
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: EQUIFAX, INC. (IN)

Have court order stating these are not My debts. Have sent to all three age cues multiple times with them always saying its complete and accurate and will remain. Several accounts opened in Wisconsin under my name, with an identity theft report on my social security. They still allow these on my credit ; even though Ive never lived in Wisconsin, and have proved these are not my accounts.
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OR)

I pay my XXXX XXXX on my XXXX XXXX XXXX bill pay. 
I paid it on XX/XX/XXXX. They didnt record it until XX/XX/XXXX. They are saying it takes the mail that long to get to them. They are charging me finance charges and late fees. This happened in XXXX and XXXX too. 
If you look at my history I am a good consumer. I pay my bill by the XXXX. Its not my fault that they say they arent getting it in time. I think they dont pick up their mail on a timely basis or some other nefarious reason. 
I called them on XX/XX/XXXX. The agent told me I owed {$190.00} which I paid over the phone. Now, I see my statement recorded they received {$96.00} on XX/XX/XXXX so the agent didnt see it was paid FIVE days after!! Which is why they have to refund me. 
So I have to pay over {$70.00} in late fees and finance fees. 
I have an excellent credit rating. You can see some months where I paid when I didnt have to because they dont show it as paid then they have to send it back to me.
Consumer complaint received 2022-01-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

Due to the Equifax data breach/identity theft there are many unauthorized inquiries and accounts on my credit report that need to be removed immediately. What the bureaus are doing to people is terrible. I go to closing in for a new home in 30 days and this is really holding me the XXXX back! This is ridiculous. According to the FCRA laws I know if I filed a FTC report that whatever is unathorized is to be blocked and removed. Now, CFPB please encourage XXXX, Equifax and XXXX to do their part because if i do not receive a response and those things mentioned on my credit report still exists, I will suing all 3 bureaus.

Please do not tell me that " its not me that authorized this complaint '' because I am attaching my ID, and Social security card. No stalling tactics that harm regular consumers like me! FTC report and FTC letter has been sent and filed and a police report has been filed and an identity theft affidavit has also been sent to all 3 credit bureaus and faxed to Equifax. I have receipts of everything. FTC report reference number is # XXXX.
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Equifax Information Services LLC furnished consumer reports On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX without my written instructions and or consent constituting as a violation of the FCRA. I the consumer On XX/XX/XXXX sent Equifax information services LLC a notice of the FCRA violation with attaching a copy of the law that they violated Demanding that they delete the said accounts off of my credit file. I sent notice certified mail green return receipt # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-15
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: EQUIFAX, INC. (FL)

I was checking my credit report and I saw that my credit score is low. I have no idea why I see that information on my account. I didn't applied for anything. I believe that someone used my personal information
Consumer complaint received 2021-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (NC)

Our mortgage payment went up after only making our first 4 monthly payments. Amerisave Mortgage said we were short on escrow? How we just got the loan in XX/XX/XXXX first payment made XX/XX/2021 After all the approvals, underwriting, finance charges HOW could our payment go from $ 704 monthly to now as of XX/XX/XXXX it is now {$870.00} a month. 
We were suppose to be saving money. Our new payment is more than the old mortgage payment before we refinanced. 
Something isn't right. Amerisave will not contact us.
Consumer complaint received 2019-06-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (FL)

Suntrust bank took my money, discriminated against me and my family as well as using discriminatory tactics in our business encounter. They let my XXXX wife access my personal account deposit a check as well as make a withdrawal from my account. Same type check that they closed my account as well as tell me theyre breaking ties with me and im bad for business. At least thats the way i took it especially when SUNTRUSTS reason for their actions was '' They had confidential information that my check was no good .... 
that was XXXX. ITS XXXX now. Oh and please let me touch on miss you dont need your money back XXXX XXXX. She stated that she worked for Consumer Financial Protection Bureau, Well. I ask miss XXXX WHO are you protecting ... .. Miss XXXX XXXX said she Respectfully decline my requests.All of Suntrusts disclosures say they may and will put a hold on checks and what have you but there disclosures say they wont hold the item for more than ten days. I have XXXX children under the age of XXXX, and I promise you miss XXXX that my chlidren can not eat that XXXX. Your Fraud departeent said that there was nothing wrong ... ... ... ... HHHeeeLLLooooooo
Consumer complaint received 2019-06-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (MD)

On XX/XX/2019 I travelled to XXXX XXXX of XXXX, MD to test drive, compare pricing and and ask about financing options. Three hours later I left the dealership at end of my visit dazed, frustrated at the events just happened. First, I left the dealership with a car I did not select. And an {$20000.00} auto loan that was approved without proof of income. In addition, my credit report was run and showed *poor credit. 

Moreover, I left with an installment loan payment of {$120.00} more than what Im currently paying. Further, the loan agreement has close to {$4000.00} in additional charges over the sale price of auto. 

On XX/XX/XXXX I tried to return the veichele to XXXX spoke to a manager and explained to manager all of the above and he refused to take car back. I explained for 2nd time to Manager their is no way I can pay this payment.. The loan was approved without proper validation of income. 

In summary, from the account executive that sold me the car to the auto finance Exeter .I firmly believe I was the victim of Deceptive and Unfair Sales and Finance Tactics that have potential to bankrupt me due to my poor credit.

Exeter Currently charging 21.47 APR and is a debt collector
Consumer complaint received 2022-01-09
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: EQUIFAX, INC. (IL)

I, XXXX XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : XXXX XXXX XXXX
Consumer complaint received 2020-08-01
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. (IN)

Have disputed this account from XXXX XXXX with Equifax, XXXX, and XXXX with no avail. Only updated with inaccurate information every time. Which clearly is not the case. 
1. Account status is different with all 3.

2. Date opened is inaccurate.

3. Payment status is inaccurate.

4. Last reported dates are inaccurate.

5. Comments on all 3 accounts read something different.

6. Date last active is different on all 3.

7. Date of last payment should be the exact same across the board as either the charge off date, or the day the car was paid off.

All of this information is inaccurate and Is a violation of my rights. Picture from credit report included. Report pulled on XX/XX/2020.
Consumer complaint received 2020-08-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, US DEPT ED Company Inquiries : XXXX TRANS UNION
Consumer complaint received 2020-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

Oh boy, am I upset!!!! 

ERC ( I believe thats the company ) has been reporting a collections account on my credit report for a couple YEARS now! I have disputed it twice and each time its come back verified. Impossible, due to the fact I dont have an account with XXXX - and never did. XXXX since 2007! Last week I FINALLY received some form of communication from this collection company. They sent me a sprint bill for an address Ive NEVER lived at! I immediately contacted sprint, seeing as how theyre the original creditor. The customer service rep, XXXX, actually told me he had no record of me holding an account with sprint, let alone owing them! I told them ERC is reporting a DEBT COLLECTION for XXXX. XXXX CUSTOMER SERVICE REP THEN SAID ERC DOES NOT OWN THE RIGHT TO COLLECT ANY DEBT ON THE BEHALF OF XXXX this is ILLEGAL. I called XXXX with intentions on paying a bill that I DID NOT OWE, just to rid myself of ERC! Turns out theyre reporting a fraudulent account and causing me emotional stress over a bill that isnt mine. Thank XXXX I contacted XXXX. ERC, please stop reporting this account to the credit bureaus. I have contacted the original creditor and confirmed I do not owe any monetary payment to their company. This is illegal. You guys have a track record of purchasing debt for fraudulently opened accounts then harassing customers for 7 years if youre able to.
Consumer complaint received 2020-07-31
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: Santander Consumer USA Holdings Inc. (IN)

I have made multiple attempts to obtain copies of the original loan documents from Santander Consumer with no success. Santander 's phone system will not allow me to speak with a representative. I have searchd their website to find a number for their Executive Services office unsuccessfully as well. Santander is reporting fraulent loan information to my credit file. I am requesting copies of the loan documents to view the signature on the loan that they are referencing.
Consumer complaint received 2020-07-31
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent letters to the credit bureaus on XX/XX/XXXX but I still have not received a response. Due to Covid 19 I expect things to be delayed a little, but it has nearly been 2 months now. The bureaus are supposed to have 30 days to respond to me so they are clearly in the wrong at this point.
Consumer complaint received 2020-07-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

The original complaint, XXXX, sought from Rushmore evidence the borrowers XXXX credit score was below 720 on XX/XX/2020. Rushmore replied on XX/XX/2020, and stated the following : - " On XX/XX/2020, Rushmore completed an assessment and the Credit Score obtained was XXXX. '' - " our servicing system is designed to pull credit scores each quarter from a third party company, XXXX. '' Rushmore is playing fast and loose with definition of " credit score '' in its XX/XX/2020 letter and " XXXX '' credit score in the XX/XX/2020 letter sent to the borrower by recklessly and casually interchanging the two. Interchanging " credit score and " XXXX '' credit score makes the Rushmore XX/XX/2020 letter false and misleading given the following evidence : - On XX/XX/2020 Rushmore provided to the borrower and CFPB a credit score and not the borrowers XXXX credit score as requested in the  original complaint XXXX. Rushmore said it made its decision to suspend the borrower 's HELOC on the XXXX score obtained on XX/XX/2020 - XXXX nor XXXX credit reporting agencies have no record of XXXX or Rushmore inquiry into the borrowers credit profile. In fact the only evidence of an inquiry by Rushmore into the borrowers credit profile was recorded on XX/XX/2020 by XXXX 
- Rushmore purportes the borrower credit score increased by 35 points between XX/XX/2020 and XX/XX/2020. In fact, the borrowers XXXX credit score on XX/XX/2020 was XXXX, the date the borrower received notice of the HELOC retroactive suspension. More importantly, the borrower XXXX  credit score remained unchanged between XX/XX/2020 to XX/XX/2020, at XXXX, when Rushmore conducted its supposed second inquiry into the borrower 's credit profile. 
- Last, the borrower credit profile did not change materially between XX/XX/2020 and XX/XX/2020. The borrower had no ( a ) late payments ( b ) missed payments ( c ) charge off ( d ) collections ( e ) garnishments or ( g ) or bankruptcy.

Rushmore is again asked to provide evidence from its third party vendor XXXX to support Rushmore claim that the borrowers XXXX credit score was XXXX on XX/XX/2020.
Consumer complaint received 2020-08-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, US DEPT ED Company Inquiries : XXXX XXXX XXXX
Consumer complaint received 2020-08-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

In a divorce decree the court order states that XXXX XXXX XXXX was awarded the home. He should EITHER refinance or assume the loan in his name only. XXXX XXXX and XXXX XXXX divorced XX/XX/2016. Since then XXXX XXXX changed name back to maiden name XXXX XXXX. I, XXXX XXXX have petitioned the mortgage companies several times throughout the years and it has been a dead end at every attempt. My name is no longer on the deed and yet I can not get my name off of the mortgage. Mr XXXX can not refinance because his credit score does not meet the minimal requirement and yet I a held hostage to a mortgage that I am no longer the owner and my name is not on the deed. Essentially, I am being held hostage to a home that I no longer own. When I present the divorce decree to the mortgage companies it is ignored. They just tell me to refinance which he can not. I can not move on with my life in the purchase of my own home because it affects my credit scores when Mr XXXX is late on a payment, etc.
Consumer complaint received 2020-07-31
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX