davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NJ)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.
Consumer complaint received 2018-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (RI)

This is a secure Discover credit card which I opened with a {$300.00} security deposit in XX/XX/XXXX. In XX/XX/XXXX, I filed for chapter XXXX, which resulted in Discover closing my card account. I contacted Discover around XX/XX/XXXX to inquire about getting the remaining balance of my unspent security deposit refunded back to me, approximate {$53.00}. I was told by Discover that I needed to wait for my discharge before I could get my money back. I again contacted them near XX/XX/XXXX and was told that they did not update their system with the discharge date and I would again need to wait again, since they just now did so. I again attempted to contact them today, and was told that they applied a balance to my card account in XX/XX/XXXX, and the statement closed in XX/XX/XXXX, and I would again need to wait. To date, it has been approximately 6 months that I have been waiting to receive the unspent balance of money that I gave to them last year, and they have done nothing but give me the run around whenever I call them.
Consumer complaint received 2018-01-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LDF Holdings, LLC (CO)

I was approved at : XXXX : XXXX A person named " XXXX XXXX '' called me and we went over some details. I was approved ( per 2 emails she sent me from " XXXX '' ), she then asked for me to visit a site to do a 'bank verification '. Afterwards, I signed and agreed to a contract allowing me to pay off the {$500.00} loan whenevr I wanted ( so I could avoid as much interest as possible, I know what I am signing up for with this, but am in a bad spot ).

Afterwards she said she would call in 15 minutes with the bank transfer verification, but instead I received a 'Denied '' email.

I don't mind getting denied, but I already signed a contract and provided personal information about my bank and paystub.

A company like this should have their approval/denial up front, before sensitive information is shared.
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. (NJ)

Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 
Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXXXXXX XXXX XXXXXXXX XXXX I don't recognize this lender and account Please remove this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX I don't recognize this lender and account. 
Please remove this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I don't recognize this lender and account. 
Please remove this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I don't recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion seems to have had a computer glitch that caused all of the inquires on my credit report to be deleted, and my credit score increased. The very next week, all of the inquires were reinserted with additional inquiries i do n't recognize to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I am requesting that the reinserted inquires be permanently removed from my credit report. I have reached out to TransUnion and was told I need to create a Police report and fax it to their Consumer Department. I do n't understand why I would need to provide a Police Report to an internal error they had. My credit score Fluctuated from a XXXX to XXXX up and down. I need this corrected ASAP. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Police Inquiry # XXXX
Consumer complaint received 2018-04-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

Sent debt validation letter out on XX/XX/2018 there was no response that was addressed to me sent to my home. I have called and each representative hangs up the phone in my face. I was told that they sent a response to my debt validation to someone else that could have showed me their mail. They had over 30 days to respond to me in which they did not. They added this account to my credit files once I tried to validate this debt.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (ID)

My HELOC was to mature XX/XX/year>. In XXXX I began talking XXXX knowing I would be able to pay the {$110000.00} balloon payment on or before XX/XX/XXXX. XXXX pointed my to Long Term Loan Modification program designed for individuals sharing my circumstance. On XX/XX/XXXX the application was submitted for review. Will under review the application stated all term and payments remain unchanged. I never heard anything further. I havent heard any from XXXX regarding my application. I was not notified if the application was approved or denied and if denied, why. In XXXX I attempted to make my regular, interest only pay, it was refused. Instead, contrary to the conditions of the loan application XXXX demanded {$110000.00}, or payment in full. The thing happen in XXXX. I sold my home at the end of XXXX, closing escrow on XX/XX/year>. The loan with XXXX paid in full on XX/XX/XXXX. Despite the provisions of the loan application and the fact that I made attempts to make payments in XXXX and XXXX they insist on reporting the account 30-60 days last to each on the credit bureaus making it impossible to qualify for a new mortgage.
Consumer complaint received 2018-01-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION (FL)

I bought my home XX/XX/XXXX in Florida while going through a ruff time in my life. I was XXXX to XXXX in XX/XX/XXXX-XX/XX/XXXX. While XXXX i received missed payment on my credit report in which was not supposed to happen while being XXXX in the military overseas. My mortgage got behind while i was XXXX due to my ex wife was taking my pay but not paying my mortgage. When I return needless to say I got a divorce, had to pay almost {$8000.00} and then come to find out the next month BB & T wanted more money or they would start foreclosure proceedings, problem was, ex wife took most and then the rest was paid to BB & T. I attempted to work out a deal with BB & T numerous time but to a dead end. I had to hire 2 different law firms and make payments every month now for almost 3 years in which could 've been money on my home and not lawyers. When I got a divorce the Judge awarded me my home % 100 and my ex wife was NOT on my deed. BB & T was going to give me a modification but wanted my ex wife to sign as well but she refused being she was remarried and wanted nothing to do with me or my home so BB & T backed out and over a year later Im still dealing with this. As a XXXX veteran I have served honorably this country, and it hurts to have The Big Companies in America such as BB & T take advantage of veterans in this deceitful way, I have much more proof that my lawyers will be presenting soon but i wanted to warn my fellow veterans to be mindful and careful when doing business with BB & T.
Consumer complaint received 2018-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

Closed my credit cards out of the blue, after being a Chase card member for years. I have never paid my bill late and always pay off my balance. I paid annual fees on some of the cards they closed and they were not willing to refund my prorated annual fee. 
I went to use my card one day and it got declined, they could have at least called me or sent me an email to notify, but no they said they mailed me a letter. Well by the time I get this later it is too late, I had to find out my getting my card declined. This is outrageous. I was left high and dry without a way to pay.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

My identity was stolen and I immediately placed fraud alerts on my credit. After days of spending hours on the phone each day, I decided to do a freeze in hopes this may slow down the fraudulent applications and lesson the serious burden on my time. XXXX accepted the freeze but only until XX/XX/XXXX. XXXX XXXX denied the freeze because I already had an alert but charged me and sent a confirmation the freeze was placed. Experian wont accept the request and instead wants me to package up highly sensitive personal information and mail it to them, which is highly risky and frankly idiotic. Its irresponsible and reckless for them to require this.

So all 3 bureaus have turned what should be simple for the consumer to request into a circus of incompetence!

I did nothing wrong, yet all the burden has fallen on me. The bureaus should be required by regulation to make this process seamless, secure and supportive to the consumer. Experian offers zero phone support. I tried working through their IVR for an hour and all you can get us a recorded message. This is not acceptable! I am trying to protect myself, which also protects creditors and the health of our financial community. It should not be so difficult, burdensome, and financially draining! All I want is my Credit frozen!! Why wont someone help me!
Consumer complaint received 2018-04-19
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. (FL)

I was told by at least three XXXX XXXX representives that XXXX XXXX would be deleted from my credit reprts. I never applied for a XXXX XXXX credit card or received in items nor ordered any items from XXXX XXXX. Three XXXX XXXX representive told me it would be deleted from my credit reports. I disputed with the three credit Bureaus and the only one who deleted XXXX XXXX I need XXXX and Experian to delete from my credit reports
Consumer complaint received 2021-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (GA)

This attempt to collect this debt is illegal. I never opened this account with the original creditor. This collection attempt must be stopped immediately. I was a member of identity theft and my credit has been ruined. I have contacted the credit agencies already and they have done nothing. I am now trying to fight this this way. 

XX/XX/2020 {$3100.00}
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (MO)

On XX/XX/XXXX, I received a letter from American Express that advised that they had made the decision to close my credit card account ( ending XXXX ). The reason for closure was because they had received " new '' information related to my account that was grounds for termination. Keep in mind, I have had this account for four ( 4 ) years at a line of {$1000.00}. For the past 12-18 months or longer there has been no charges on the account, I have never been late with the payment. There have been no disputes or chargebacks on the account either. When I pressed the agent, she kept saying there was new information that caused them to make this decision. I advised that they review credit scores on a monthly file most likely and I admit my score has dipped, but keep in mind, lets assume that happened in XX/XX/XXXX, the decline would have occurred, in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and yet no call, not notice and no changes to the account. Again, there is no balance. The steps that AMEX took were a cost measure, because I am not transacting. So rather than talk to me about that, they decide to take action that has disparate impact to me. You close my account and therefore, hurt me because it further impacts my score negatively by closing by creditor. This decision was made by some program or actuary without thought of the impact top the consumer all because I am not transacting ... not due to something I have done. After my call, they promised to review the decision. As I suspected, this was a lie because I received a letter two days later further clarifying it was my fico that was the key issue. Which is interesting because again, as I stated the FICO was most likely declining or declined since XX/XX/XXXX. What is there risk? If I close the account, they are owed nothing.
Consumer complaint received 2017-12-01
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. (NE)

I contacted XXXX to find out more details about a car loan that was originated in my name over 2 years ago. After being provided with the details of the loan I was able to recognize I did not authorize the account and able to identify the family member who was likely to have originated the loan because I know the car is in their possession, I just never knew the car I 'd seen them with was in my name. I alerted XXXX that the account was originated with fraudulent means and rather than remove the information from my credit reports, the company declined my offer of exchanging the vehicle 's location for the removal of negative information.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (MI)

There was a fraudulent charge of {$30.00} taken out of my account for XXXX services no merchant information available other than that. I immediately contacted support regarding the fraudulent charge. Because its pending the company refuses to reverse the charge. I cant dispute until the money is taken from my account!!! I asked for merchant info to dispute the charge thru the merchant and it was refused. I ask XXXX multiple times. They still refuse to help. Nothing can be done pending charges any other bank would have immediately reversed the charge and returned my money. Nope. Not CashApp. They refuse to help. Refuse to provide merchant information yet tell you to dispute with the merchant. Im almost 100 % certain they are stealing peoples information and using peoples accounts as their own personal ATMs. I want my money returned and my account secured. There should be better security when it comes to their accounts and handing.
Consumer complaint received 2024-08-27
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: EQUIFAX, INC. (AE)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2017-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I contacted XXXX to find out more details about a car loan that was originated in my name over 2 years ago. After being provided with the details of the loan I was able to recognize I did not authorize the account and able to identify the family member who was likely to have originated the loan because I know the car is in their possession, I just never knew the car I 'd seen them with was in my name. I alerted XXXX that the account was originated with fraudulent means and rather than remove the information from my credit reports, the company declined my offer of exchanging the vehicle 's location for the removal of negative information.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

I have a mortgage since 2010 with XXXX then XXXX and Experian do not have it.. But XXXX  and XXXX have it .... I call XXXX and they said they send the report every mouth.. I call Experian and they said I have to call XXXX.. Im getting the run around from both ... Can you help
Consumer complaint received 2024-08-27
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: EQUIFAX, INC. (NJ)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction.

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.