davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Credit reporting 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: EQUIFAX, INC. (OR)

Credit reporting agencies punish consumers both directly and indirectly by lowering credit scores which will potentially impact rates on credit line and and thus the interest and rates consumers end up paying for being fiscally responsible by doing things like, paying off credit cards regularly, not undertaking unnecessary loans, or having enough credit cards. This is an unfair practice which should not be allowed.
Consumer complaint received 2019-05-14
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GMA Investments, LLC (MO)

XX/XX/2019 Morning- This company contacted me at my place of employment. The company would not identify itself. I let them know that they had the wrong # and was responding to in a threatening manner. 
XX/XX/2019 Afternoon - The company then sent a verification of employment to my place of employment and would not identify themselves or the specific information needed. I then contacted this company phone and asked why they contacted my employer. The woman 's response was " Do you know what a garnishment is? '' i agreed that i did know. She went on to say that i have two options, i can either get on a payment plan or proceed with garnishment. I asked her to provide documentation of the matter, she then stated that she did not have to provide this. She then sent me to the " payment center '' where they took my bank info but would not provide me with any agreement information or case #. 
I didn't feel confident about the whole thing so i googled the # and found that many people had reported the same thing. 
XX/XX/2019 - I contacted this company today let them know that i would not be paying them anything until i had documentation. The woman on the other line began yelling stating that she was not my child and i couldn't tell her what i wasn't going to do and then she hung up. I called back and someone else picked up, i then advised them again that i need documentation and that if they call again, i would report them. 
Shortly after this, i received what looked to be a falsely written letter to collect debt. Misspelled words and my full name was not included. This company doesn't even show up on my credit report.
Consumer complaint received 2019-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FOR I AM NOT LIABLE FOR THOSE ACCOUNTS.
Consumer complaint received 2019-05-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (OK)

Conns Appliances and furnishings, have called me REPEATEDLY since XX/XX/19, over 20 times all day everyday, while at work and when I'm off from about XXXX to XXXX or XXXX ... My payments are due ea. Month on the  XXXX ... I have paid on time for almost 2yrs. Straight ... wasn't able to pay on time this month ... and they have really been unprofessional and HOUND DOGS. TOTALLY HARRASSMENT AT ITS BEST ... I advices the conns rep on XX/XX/19.. I will make payment the last week in XX/XX/XXXX ... She demanded I set up a payment arrangement and {$25.00} late fee will added ... I will continue to pay my XXXX off.. But will Never GIVE CONNS MY BUSINESS AGAIN ... There is absolutely no reason To Harass a good paying customer this way ... When they are not accomplishing anything ... and TOO incompetent to leave a message ... Conns continues to call XXXX XXXX. Please Assist with POOR BUSINESS PRACTICE and incompetent personal.
Consumer complaint received 2019-05-28
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: SYNCHRONY FINANCIAL (FL)

I had one and only one item on my credit report which was already taken care of. My score should have improved. But SyncB inquired on my credit without me knowing and because of them my score dropped from the 520s straight to XXXX! Please help me put a stop to these idiots as I am definitely NOT THE FIRST person who's credit score they've ruined with their sneaky XXXX. Please help me. Thank you.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Recovery Consultants (TN)

We began using Credit Recovery Consultants in XX/XX/2018. We were shown blacked out credit reports of people with bankruptcy that improved from low 500 scores to high 700 scores. We were told that since we didn't have any bankruptcies or judgements we could probably get the credit fixed within 60 days. XXXX XXXX charged us the $ 800+ dollars to tell us to pay off our credit cards ( {$8000.00} ), get a secure credit card ( {$300.00} ) and a few other things. While the credit card pay off improved MY credit some it did not improve my husband at all as he was not on the cards. We continued through the process to the end and did everything asked of us. In XX/XX/XXXX, yes ... way beyond the 60 days quoted, I tried calling XXXX multiple times to see why our credit had taken a dive. No answer. When we finally got ahold of him two weeks later he stated it was because a line of credit had been closed ( although, he was the one who submitted the information to the credit bureau to have it closed ). He then, without my permission used my credit card he had on file to charge a credit monitoring service for {$49.00} each for me and my husband. At the end, my credit showed little improvement and my husbands had shown no change. When we would call to ask XXXX what steps to do next, he literally had no idea about the file, what had been disputed, etc. PLEASE save your money and don't waste your time and hope with this man. This is a total scam.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

and list of Inquiries. 

XXXX XXXX ODE 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there were still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX XXXX Account # XXXX which is a revolving credit card account type. Has all kinds of inconsistencies where it is showing that it was opened with XXXX on XX/XX/2015 Experian on XX/XX/2015 and XXXX XX/XX/2015 I also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX  Account # XXXX violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-05-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Mortgage LLC (CA)

I am trying to refinance my home mortgage for a better rate. Found this lender ( XXXX ) through XXXX website ( XXXX XXXX XXXX ). They dropped the ball hard. XXXX XXXX was our loan officer and after getting us into the refinancing process, he acted completely differently. The rate was locked on XX/XX/2019. I'll keep this brief but my experience echoes a lot of what other 1-star reviews out there on XXXX website say - he didn't answer the phone on time and called back late in the evening, he ignored emails, when he did respond via email it was with partial and obscure answers. There is almost no communication about the loan and I ended up sending email constantly for the status update. In the end, we missed our close date on XX/XX/2019 completely due to the circus that is XXXX and XXXX XXXX. I agreed to pay extra fees for rate lock extension penalty in order to keep the process moving. Then the lender missed the deadline again! Received the updated Loan estimate on XX/XX/2019 and they charged for even more of penalty. I refused to pay any further extra fees due to their incompetence. It definitely wasn't worth the headache or stress. They don't even know their own programs and asked for unreasonable requirement in the process just to hose me and slow things down so that they can collect extra fees. 

This is very frustrating and disappointing. This is definitely a scam to bring people into the process. They wait for the rates to go up and come back to charge you more using all sorts of excuses.
Consumer complaint received 2019-05-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TN)

My sister was diagnosed with XXXX XXXX and she lived with me for an extended period of time and I was responsible for her care and expenses. She is now deceased and I have requested a mortgage modification to bring my mortgage current. Wells Fargo is unwilling to assist me with saving my home from foreclosure. I was told I could bring the mortgage current or sell my property. I don't want to lose my home, I feel I am being discriminated against because of my age. I need help.
Consumer complaint received 2019-05-28
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. (OH)

The credit bureaus are not investigating properly. There are several inaccurate accounts on my report that I do not have knowledge of. I contacted the bureau ( s ) and the company Per the bureau 's request and they are still reporting the accounts. I do not have ownership to these accounts and the accounts were never verified correctly as mine.
Consumer complaint received 2019-05-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A. (TX)

I used a promotion from my Sears credit card ( CITI Band Mastercard ) for a balance transfer. The promotional letter was not clear that a fee would be charged. The promotion stated a 0.00 % promotional APR on transferred balances until XX/XX/2020. 

When I noticed a transfer fee of {$500.00} on my on line credit card statement on the {$10000.00} transfer. I called and said I would pay the amount transferred to avoid the fee but they refused to cancel the fee. Since the transaction was processed on XX/XX/XXXX and I called on XX/XX/XXXX and felt there would be no cost to them. 

Thanks you, XXXX XXXX
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Since XXXX i have repeatedly submitted disputes stating that my account was settled with XXXX and they keep reporting back that account has been verified.. which it has not my credit score has settled a substantial drop bcus of their not looking into the facts.. XXXX even requested for them to call them so they can verify i not only wasnt late that the account was settled.. my report is constantly showing two months late with a balance of XXXX which is not true.. i need your help.. this deliquency is being reported by transunion and XXXX and XXXX had reported such also which resulted in a lower score bcus they reported it the same way ... ive also repeatedly complained about having bankruptcy reporting on my credit report all items on credit reports is suppose to come from the original creditor and ive submitted letters from bankruptcy court that proves that they dont release info to anybody that the credit agencies get it off public agencies which is not how they r suppose to receive their info it must come from the orginal creditor.. they keep sending me letters back saying its been verified which is false even the public agencies only have access to last four digits of social security numbers theres no way they can count last four digits as verified.. ive also repeatedly disputed my legal as should be reported on my credit report along with addresses and yet all these other names keep popping up.. ive sent copies of my drivers license with my legal name and my legal address
Consumer complaint received 2019-05-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have this account in collections from XXXX XXXX XXXX original creditor was XXXX XXXX XXXX this was already paid for In full. I keep getting phone calls and one of the reps told me back in XX/XX/2019 this would be off all my credit files since this was paid in full. 

I am unsure as to why it is still there and hope you guys can help solve this problem.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credence Resource Management, LLC (TX)

This company CREDENCE RESOURCE MANA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX added to my credit report a XXXX debt with XXXX on XXXX XXXX that debt was settled with XXXX more than 9 years ago. they added this item knowingly, just to hurt my report. 

Thanks!!
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Financial Management Solutions, LLC (CA)

As of XX/XX/XXXX FINANCIAL MGT SOLUTIONS in XXXX, MD continues to run my credit report resulting in hard inquiries without authorization or notice. 

I have spoke with a collection agent about the matter and asked why are they accessing my credit on a debt that was resolved and deleted from my credit report several years ago. 

The agent stated that he is allowed to check my report resulting in hard inquires by law. He stated that he sees I am " still renting '' and any debt can affect that in the future and he wanted to see if I had any open credit to pay towards " his client '' on a paid debt. 

The debt was settled and removed from all credit agencies, as well as from my rental history in XXXX. In XXXX XXXX this company pulled my credit report and when I called to see why the agent added another hard inquiry to my report.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Commercial Acceptance Company (PA)

Been a member of XXXX XXXX XXXX XXXX for over five years. Notified company my employment came to an end on XX/XX/2019. Company made contact regarding no hassle loan and overdraft on account. Made company aware in the process of fighting employment and unemployment. Company said they will work with me and promise no collection activity.
Consumer complaint received 2019-05-28
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

Despite the fact that I responded to CapitalOne regarding dispute # XXXX and submitted requested documents on time, they paid {$530.00} to XXXX XXXX who fraudulently charged my credit card for a service they did not provide. XXXX XXXX provided no proof to CapitalOne that they paid {$530.00} dollars to transport my vehicle to Florida as they claimed ; yet CapitalOne paid them and refuses to credit my account. 

Enclosed you will find an email where XXXX acknowledges that the job was cancelled ; yet they refuse to credit my account. After filing the dispute with CapitalOne, XXXX reported fraudulent statements claiming that I signed documents I did not sign, and claiming they paid {$530.00} dollars to a hauler they did not pay. I have enclosed a copy of a postal money order receipt showing that I was the one who paid the hauler. I have also enclosed snapshots of a text message proving I cancelled the job.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

On XXXX XXXX XXXX, I sent a letter to XXXX, Experian, and XXXX about the inaccurate information on my credit report. It's now well past the deadline, and not a single one of these agencies has bothered to respond. This blatant disregard for my rights is unacceptable. I demand that this account be permanently deleted immediately. It is an ongoing violation of my rights to keep reporting inaccurate information that doesn't match the records of other consumer reporting agencies. Your failure to address this issue, despite my repeated attempts to get a resolution and provide proof, is utterly frustrating and will not be tolerated.
Consumer complaint received 2019-05-14
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: JPMORGAN CHASE & CO. (CA)

Like all consumers. I make frequent credit card charges. This one concerns my Chase Amazon credit card. Charges showed up and I was warned by Chase Fraud and asked to verify : {$44.00} at XXXX on XXXX.and {$49.00} at XXXX. I called the Chase Fraud line. The staffer explained that these are data processing cos ( middle men ) that work for many vendors. What I consider outrageous, which should be the subject of regulation, is that even if such a company does answer the phone, they often dont know or wont disclose the vendor who is saying I made the charge. This leaves us consumers first prey of fraud and secondly incapable of verifying charges unless we write down in a notebook every single transaction we engage in using our cards!! If credit card cos are going to hire data processing cos to charge consumers accounts, these companies need to be required to reveal the names of the vendors involved, so we consumers can readily approve or deny our charges. This is just minimal consumer protection! Please respond.
Consumer complaint received 2019-05-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (MI)

After my first initial contact with XXXX I sent all my financial info and stuff that was required. XXXX knew I had a timetable of when I wanted to be out of my old apartment and she assured me that all was well while this is going on XXXX had me to pay for a home inspection, appraisal and under false pretenses had me pay an early car note that wouldn't even make a difference all the while stalling putting me off evasive behavior. To add injury to insult neither XXXX nor XXXX her supervisor made no attempt nor did they not care about having me sitting around waiting to hear great news and I find out from my realtor that I was denied. To this very day neither one of them have called to offer any APOLOGIES for what they put me through.