davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-04
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC. (NH)

Dear sirsAm facing a serious problem with a car dealer XXXX XXXX XXXX XXXX, where i went there with my cousin to co-sign with me buying a new car, since i just moved to XXXX and still building my credit score, we talked to the financial rep. about the inquiries and not inquire more than XXXX banks, and that what he did while we were there and he came back telling us we are approved by XXXX XXXX XXXX bank at a rate of ... .., so we agreed on it and we came back the XXXX day to close the deal and be done. 
Then later after 1 week we are still receiving inquiries they did after we left and it reached XXXX inquiries. 
Appreciate your help sirs and need to control this dealer acts since he is harming all the community around him and many customers came back after when we visited them back to know why he sent more inquiries although we already agreed on the bank and the offer!! 
this is considered misuse to the agreement that we gave him to pull the score since it was already agreed from our side on the second offer we had from XXXX XXXX 's bankThanks a lot for your support and appreciate your feedback
Consumer complaint received 2015-10-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: UNITED MORTGAGE CORP (FL)

United Mortgage Company shared private financial information such as IRS Form XXXX & employer XXXX forms with persons not employed by United Mortgage and through unsecured email servers in violation of the provisions of the GLB Act. When contacted regarding this incident, they defended the practice which indicates it was not an isolated instance.
Consumer complaint received 2015-07-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (GA)

I had applied for credit with XXXX and was denied. The credit bureau used was Experian. I went online to their website to obtain a free copy of my credit report as allowed by law. The website challenged my identity with XXXX questions which I know the answers to. The site said it could not verify my identity and I would have to request my report by mail. I then went back to their main site and they offer your credit report and FICO score for {$1.00} for a 7 day trial to their credit monitoring program that then charges you $ XXXX a month. I signed up for this just to see if it would let me see my report if I paid for it. The verification page only had XXXX questions this time and what do you know, the system was able to verify my identity. Interesting that when requesting a legally required free report they make it difficult to get my credit report but as soon as I pay them some money they miraculously make it so easy and know who I am. This stinks of fraud to me. I pull my credit reports every year and if I am declined credit or a service. Experian makes it difficult if not impossible to obtain what they are required by law to provide. They wanted me to send a copy of my driver license and social security card through the mail to them. I have worked hard to build my credit up and the last thing I would do it just mail my identity to a processing center. Transunion and Equifax do not cause this kind of headache when getting my reports from them.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

XXXX has a derogatory mark on my credit stating that I owe them money from when I disconnected service from a home in XXXX. When I moved into my new home in XXXX we got service from XXXX. We paid the outstanding balance to get service started. They never updated my credit bureau to show that it was paid. As a matter of fact they state that it was never paid. That is impossible cause their own policy is that they can not start service with customers that owe them money until the outstanding balance is paid.
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted XXXX XXXX to request proof of validation regarding to account # XXXX. The furnisher was unable to locate anything related to the account due to the fact that it was never late. According to them, XXXX XXXX could not find any validations or information on their files pertaining to this account. I do n't quite understand why the bureaus continue to verify these late payments, when in fact they were never validated by the original creditor. According to section XXXX of the FCRA, the CRA 's are required to remove this account from my credit report due to the fact that it 's not accurately reported. In addition, pursuant to regulation Z, TILA, and the Credit Billing Act, set forth CRA is required to cease and decease all negative reporting including the late payments. In accordance with section 611 of the FCRA, all of the parties involved are required to comply accordingly.
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been informed, that there is a public record reported by ( United States Bankruptcy XXXX, Eastern District Of California ) in my credit file, you maintain under my social security number. I ordered a copy of my credit report, and I do see an entry from ( United States Bankruptcy XXXX Eastern District of California ) listing a public record- I do not have a Bankruptcy. I have sent you a dispute, because this information in Not accurate. Per my last conversation with an TransUnion representative, was your claim to verify information at the United States Bankruptcy Court XXXX District Of California. I have contacted the United States Bankruptcy Court XXXX District Of California ; and there is no Bankruptcy. The clerk 's office reviewed the Public Record from TransUnion, they stated they do NOT provide information to credit reporting agencies, nor do they ever validate a public record. The credit reporting agencies, or other information providers, collect information regarding public cases from the courts public records, by a third party vendor. This information is never validated by the courts, NONE of them validate due to the PRIVACY LAW. The Clerk 's office did not state they are not responsible for INCORRECT public records or the misuse of any information. Public records maybe reported incorrectly, and the Clerk 's office will not communicate to the credit reporting agency on my behalf.
Consumer complaint received 2015-06-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have maintained a XXXX credit score with Transunion for the last 9 months. I recently checked my credit score through the credit card Co ..., XXXX and XXXX. They let me e know that my score had dropped to a XXXX. I have had no new loans, always paid my statements on time! I called transunion consumer relations to get an reason as to why my the score had dropped.? I was given no satisfactory answer.
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NC)

I properly requested via Certified Mail a description of the procedure used to determine the accuracy and completeness in which Equifax had used to verify a disputed tradeline ( attached ). Equifax refused to provide information on how the tradeline was verified, nor did they include the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher per FCRA 611 ( a ) ( 6 ) ( b ) ( iii ). Equifax 's response is attached.
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (AL)

XXXX 2015, XXXX XXXX, XXXX XXXX in error pulled my credit 7 times to purchase a car for my XXXX adult daughter. Ask them to only pull twice, because I could use XXXX XXXX XXXX & I was going to purchase a property 6 months. The New General Manager, XXXX XXXX at area code XXXX XXXX XXXX XXXX XXXX provided a letter explaining the error a month ago after a year and a half of trying to have some of them removed, however Equifax has refused to remove any of the inquires. Doing the hard pulls, Equifax dropped by credit score by XXXX points.
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (OK)

I have a discover credit card. I have been ill this year and also had an injury. 
I made a payment and somehow it returned. I checked the discover account and removed the card that I do not use. It did not come from the card I wanted. Keep in mind that card was removed and I could see it was removed from the account ; however, they still tried to charge it. I had already deleted the old payment arrangement, paid XXXX and made a new payment arrangement. yet, they are still trying to charge me from the old payment arrangement which was deleted. 
I made a new payment arrangement and paid XXXX and it has gone through. the payment arrangement is to pay XXXX over the next 12 months. ( I have had issues surrounding XXXX  more than once this year, and XXXX as I stated ) I called in and talked to XXXX, who apparently was not listening to what I said, and I asked for a supervisor. I had to ask him again, I said, " respectfully, I am asking for a supervisor. '' He placed me on hold, was on hold a while, then I could hear what sounded like grunts and whispering. He seemed to want to argue, instead of getting to my immediate concern of charging a card that was removed. 

My concern is this is not the first time they have tried to take payments from a card that has been removed from the account. I have already made a new agreement, but I first paid XXXX. Somehow that does not seem proper to charge a card that is no longer tied to your account for payment. it was removed days ago and they tried to charge it just last night.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX collection account is reporting on my credit for a long time. I disputed this account several times and always come back verified. The thing is that I called directly to the agency ( XXXX ) and they are not able to find any account under my name, social security number, addresses, previous phone numbers, date of birth ... All personal identity information was provided and they never found me on their system but still reporting the false and damaging account on my credit as verified and accurate. I requested in writing several times a validation of debt such as signed contract but credit bureau and the creditor never complied. Transunion and XXXX continue reporting inaccurate and invalid information on my credit without any valid reason.
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I have been informed, that there is a public record reported by ( United States Bankruptcy Court, XXXX XXXX Of California ) in my credit file, you maintain under my social security number. I ordered a copy of my credit report, and I do see an entry from ( United States Bankruptcy Court XXXX XXXX of California ) listing a public record- I do not have a Bankruptcy. I have sent you a dispute, because this information in Not accurate. Per my last conversation with an Equifax representative, was your claim to verify information at the United States Bankruptcy Court XXXX XXXX Of California. I have contacted the United States Bankruptcy Court XXXX XXXX Of California ; and there is no Bankruptcy. The clerk 's office reviewed the Public Record from Equifax, they stated they do NOT provide information to credit reporting agencies, nor do they ever validate a public record. The credit reporting agencies, or other information providers, collect information regarding public cases from the courts public records, by a third party vendor. This information is never validated by the courts, NONE of them validate due to the PRIVACY LAW. The Clerk 's office did not state they are not responsible for INCORRECT public records or the misuse of any information. Public records maybe reported incorrectly, and the Clerk 's office will not communicate to the credit reporting agency on my behalf.
Consumer complaint received 2015-08-01
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I went to XXXX Jeep/Dodge dealership only to inquire on a vehicle that I saw online. They had me fill out a what they called " a survey '' asking basic info and what kind of vehicle we currently drove. They said it was to see what prize we won because of special promotion that day. They gave us a scratch off lottery ticket ( our prize ) then told us the XXXX we wanted to ask about was actually {$11000.00} more in price. I did not fill out a credit application as that vehicle was more than I could afford. My last words to them were to please not run my credit since I was not interested in the vehicle.
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion ( TU ) is reporting a bankruptcy on my credit report that is showing the wrong filing date. The bankruptcy I 'm referring to is : NORTH CAROLINA XXXX COURT-XXXX - Docket # : XXXX If the correct filing date was showing, this bankruptcy would already be deleted, and would not be on my credit report. I 've reported this to TU several times, but TU keeps telling me this information has been verified. I asked TU how they verified it, and they said they contacted the bankruptcy court and that 's where they get their information from. I called the bankruptcy court myself inquiring about this matter and asked them if they would please contact TU and give them the correct filing date. The clerk at the courthouse told me they do not give out any information whatsoever to the credit reporting bureaus. If that 's the case, how is TU " verifying '' this information. Personally, I do n't think TU is doing any investigations at all. Each time I file a dispute, they just keep sending me a letter telling me that this information " has been verified. '' I asked them for the documentation that proved they had done an investigation, and they just tell me I will have to contact the source. ( In other words, the bankruptcy courthouse ) But I 've already contacted the bankruptcy court and they said they do n't provide any information to the credit reporting agencies, so how is TU verifying it?
Consumer complaint received 2016-02-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

I got a loan with Ally through a XXXX dealer and after a couple months I wanted to send in a extra payment to go towards the PRINCIPAL ONLY so I called and ask how this was done. The rep on the phone told me to make the payment and to call in after it was posted to have it applied to the principal. Which I did and the person on the phone said it was done. I logged into my ally account and they still pull out the interest out of the XXXX sent in. 
I have called 3 separate times and asked to speak to a supervisor ( 2 of those times they said someone would call me back ). Now 3 days later ( still no phone call back ) I called again and finally spoke to a supervisor. Went round and round with someone I could barely understand, he kept saying the same thing. " That is the way we do it '' then asked for an e mail address so I could file a complaint with them. THEY COULD NOT EVEN PROVIDE THAT!!!! 
So now my next payment is not due for another 3+ months because they wo n't take a payment towards the principal! What a joke!!! 
This company is a complete SCAM!!!! 
I will either pay this loan of this week or refinance it.
Consumer complaint received 2024-08-30
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2017-01-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (DC)

I had XXXX XXXX through an agency XXXX XXXX in XXXX, Maryland. I cancelled the policy and switched to another carrier. Because if the timing XXXX OWED ME a balance and has since paid me for the extraneous funds in my account. I now have XXXX. XXXX XXXX constantly sends letters after Ive called and told them i dont owe anything to XXXX. I contacted the insurance agency spoke with XXXX XXXX and XXXX XXXX And XXXX XXXX yet im still recieving threats to put a balanc eof XXXX and XXXX onto my credit reports. i dont owe anything.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi, I want to buy a house and borrow Heloc and I have found out that one of the mortgage loan got mixed up with my sister because we both have same XXXX. This is the second time it happened to me and I tried many times trying to dispute with Transition and call XXXX about the error but they just to point their finger at each other. It has been more than 2 weeks now and I am running out of time to clear the credit report so I can close the transaction on XX/XX/2017. Please help me resolve this issue as soon as possible. Thank you
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX refused to correct incorrect information it continues to furnish to credit agencies regarding a credit card account I closed in XXXX. XXXX XXXX reports an open XXXX XXXX Credit Card with a Revolving Account, an overdue balance, a status of past due, and missed payments. I did open an account with XXXX XXXX briefly on XXXX XXXX, XXXX, but I never made any payments on this account or used it in anyway and I closed the account in XXXX XXXX. XXXX XXXX kept this account open by mistake and mistakenly charged a {$23.00} administrative fee, despite that I had already closed the account and completed all payments. I was able to work with a customer service representative at XXXX XXXX and confirm the account was closed, and since XXXX, I have discussed this matter with other Customer Service representatives over the years, and they have confirmed that the account is closed and no payments are due. I have never received any notice of this account or any bill since XXXX. Yet XXXX XXXX continues to provide incorrect information about this account to Credit Reporting Agencies. This negative information is damaging my credit score. My negative credit score is impacting the rate at which I am able to obtain various loans and causing additional monthly payments.
Consumer complaint received 2016-03-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NJ)

XXXX is continuously re-aging the accounts on my credit report and Equifax continues to report credit account. per FCRA XXXX is in serious violation of repeatedly adding the account to my file. They are trying to ruin my credit score. XXXX IS CONTINUOUSLY RE-AGING THE ACCOUNT. THEY SHOULD BE FINED FOR THEIR ACTIONS PER FCRA
Consumer complaint received 2015-10-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The information presented in credit report looks like I 'm in a bankruptcy situation. That 's not true. The following are my current situations : I paid almost all of my account off ( only one left ) ; I have a student loan with no obligation to make payments, I 'm still at school XXXX ; I 'm a co-buyer of our house. I am not the primary buyer. MyWife 's income is count off e.g. It looks like again that I pay the house on my own. That 's not real ; The report said that I have a car loan again I am married I do n't pay only on my own. 
When I called on my own the collectors agencies to pay my debts off a way to show commitments to comply to my debts the credit bureau block me to have a credit. Is that did n't pay was the best thing to do? I do n't think so. 
Please, I would like you to look back my situation and allow me to get back in the system like a responsible US citizen because hardships can happen to anyone.
Consumer complaint received 2015-08-10
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TransUnion XXXX, XXXX XXXX, XXXX collection was removed after I sent ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ACCOUNT NO. ; XXXX {$1900.00} police report & District Court of XXXX for XXXX XXXX County case # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXALSO SENT NOTARIZED LETTER SIGNED BY XXXX XXXX XXXX ( XXXX ) XXXX RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
COMMITTED FRAUD USED MY INFORMATION AND OBTAINED XXXX PHONES FROM XXXX WHICH CREATED THIS COLLECTION ON MY CREDIT REPORTS. IT WAS REMOVED AND NOW IS BACK ON. THIS IS VERY UPSETTING SINCE I AM IN A HOME BUYERS PROGRAM " HOMEOWNERSHIP FOR INDIVIDUALS WITH XXXX ''. THIS RE POSTING OF THE FRAUDULENT COLLECTION IS PREVENTING ME FROM GETTING A HOUSE FOR MY GRANDDAUGHTERS AND I, A DREAM I HAVE HAD FOR A LONG TIME ME AND MY GRANDDAUGHTERS. I NOW HAVE CUSTODY OF AND WE ARE LIVING IN A XXXX BEDROOM APARTMENT BECAUSE OF THIS AS WELL. IF YOU CAN HELP ME GET THIS PERMANENTLY REMOVED FROM MY CREDIT REPORTS ONCE AGAIN I WILL BE ABLE TO PARTICIPATE IN THE " HOMEOWNERSHIP FOR INDIVIDUALS WITH XXXX PROGRAM '' AND FINALLY GET MY GIRLS A DECENT HOME. ALSO I HAD STUDENT LOANS THAT WERE EXPUNGED AND SHOULD SHOW THEY WERE SATISFIED AND PAID ON TIME.. PLEASE HELP ME AND MY GIRLS GOD WILL BLESS YOU I AM SURENANCY XXXX XXXXXXXXXXXX
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this request because I have been ignored by TransUnion XXXX XXXX, XXXX. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified with accuracy, that I disputed. Please resolve this matter as soon as possible. I have been dealing with this matter for months!