davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from my credit report.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

The company created this account. I do not have a credit card. The merchant they selected, XXXX, is also their customer so they moved the charges from Synchrony Bank to HSNs account. I have a transcript of my purchases for a year. It shows payment was made via XXXX XXXX XXXX and there is no balance due. They dont do anything but give lip service to these claims.
Consumer complaint received 2024-11-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Steel Lending Group LLC (TX)

Between XX/XX/XXXX and XX/XX/year>, I have called and requested the proper loan documents repeatedly. I have also attempted to pay on the vehicle and had the lending staff be rude and irrational. Never took payments. Also refused to send proper documentation to register the vehicle at the local DMV.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$410.00}
Consumer complaint received 2023-04-20
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: CAINE & WEINER COMPANY, INC. (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-09-22
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: CITIBANK, N.A. (VA)

On XX/XX/XXXX, my wife and I applied for a pre-approval through CitiBank for a Jumbo mortgage loan. 

We sent them all documents to confirm we were pre-approved. The loan officer, XXXX XXXX, received our documents and we were told we were pre-approved. We were able to get our offer accepted and started the home purchase process on XX/XX/XXXX. Our closing date was set for XX/XX/XXXX. 

As we went through the process, we submitted additional documents for income, assets and student loan documents. 

About 2-3 weeks in, XXXX XXXX said Citi 's underwriting and credit risk team were not using my full income, although it was the same job but with a different company. They also would not accept the XXXX  loan documents ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) for her payments. Although we showed them documentation of these payments, CitiBank would not accept them and created their own calculations which we got no explanation to how they arrived at said numbers. They also only used 70 % of my Certificate assets as well. I reviewed the jumbo guidelines and found they were supposed to use 100 % of my assets. When we would call XXXX, we wouldn't get a call back for days at a time causing us to lose time which also caused the seller 's agent to threaten holding our earnest money deposit. This caused us to have to obtain a mortgage elsewhere with a much higher rate, points and closing costs. 

On XX/XX/2024, XXXXXXXX XXXX  manager, XXXX XXXX, reviewed our file in its entirety and had no explanation to why the underwriter and credit risk team made these assessments/decisions to our file. All he said was it was their decision and he would have to find out why which would take days to get answers that we could no longer afford. 

We saw just earlier this year in XXXX that CitiBank Mortgage had to pay {$25.00} XXXX in penalties for discrimination against XXXX customers and ones with XXXX XXXX XXXX. We believe they did not learn their lesson and we were also victim to CitiBank 's discrimination on our loan as well. 

We were able to obtain approval on our loan elsewhere with a much higher rate, points and closing costs. We were given the run around for about a month, causing stress and having to run our credit multiple times ( bringing our scores down ) to look for another mortgage.
Consumer complaint received 2024-09-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc. (WI)

on XX/XX/year> I did send money via send wave, which was XXXX XXXX to XXXX XXXX The money come out of my XXXX XXXX  on XX/XX/year> and was credited to sendwave Few days later realized the money was not delivered to its destination which was XXXX XXXX  XXXX I did call them and email them about the transaction and was informed the fund were delivered and I should check with the receiver Have confirmed with XXXX XXXX about the transaction which they have stated that the money failed and was returned to send wave, but until now there has no communication with sendwave where money went. 
have provided to both the sender and receiver the bank statement showing the money was not credited to my bank in XXXX. 
sendwave customer services are not helpful at all, they do not reply to my emails or call to update the progress of the case all the documentation and proof of sending and not arriving they have but still they would not refund nor refund my money.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

American Express sent an email on XX/XX/year> saying a periodic review was being placed on my account for a limit reduction unless a {$1000.00} payment was made by XX/XX/year>. When I called American Express on XX/XX/year> I spoke with multiple different agents over the XXXX minute phone call and none of them could give me any information about the periodic review as it is not on any Terms and Conditions or Police contract that I signed. The agents best advice was that there was nothing to do besides make the remaining payment or wait and see what the review came back with as they did not know any information until the review was done and then I could dispute the review if needed. I waited for the review to be done as I have never been late on or missed a payment, never paid only the minimum balance, and my credit score has been within the same bracket the entire time I have had the card. I then received an email on XX/XX/year> saying my credit limit was reduced from {$9700.00} to {$4400.00}, with their Notice of Change being this reduction was made due to my XXXX score. This reduction in limit also now has brought my credit utilization higher which will have more of an impact on my credit score. After trying to reach an agent I was finally able to contact XXXX on XX/XX/year> and they said to either make the remaining payment or have my account reviewed again as they do not have a dispute process. I am reluctant to make the payment as I do not see any guarantee that this will change my limit back or have any other effects.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WA)

I requested a free credit report from Experian last week. The other two free credit websites I received a report no problem. 

I receive an error message from Experian and an XXXX number to call. 

I am unable to reach a human to talk to. The number is a complete waste of my time. 

I am unable to make any progress at all to figure out why my account is receiving an error message.
Consumer complaint received 2024-09-13
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. (MA)

My Experian email account and password were stolen somehow ( which is strange since my password was a 24 character string of random characters ). The person who stole my password then went on to change the log in information so I can't log in ( different email and different phone number ). I tried calling and looking at aways to process this change on XXXX but there are virtually no ways to change this. Their phone only leads to an unhelpful answering machine that won't get you to a specialist or solve your issue. Your email complaints go unheard, all the meanwhile all your information is available for a bad actor to use at their leisure. Their system is not secure and when a breach inevitably happens, there is nothing the consumer can really do, and no human on the other side who can help with such a grave situation.
Consumer complaint received 2024-09-13
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. (OH)

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 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 2022-03-25
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: Experian Information Solutions Inc. (TN)

Please contact the Bureaus because I've sent them a letter letting them know these inquiries need to be removed. Due to their noncompliance it has brought me to contacting your company. Please see attachment
Consumer complaint received 2023-04-25
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. (IL)

THIS ACCOUNT GIVING ME ANXIENTY I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2024-10-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (WI)

Invested {$XXXX} in XXXX XXXX using XXXX and their XXXX XXXX XXXX XXXX  located in XXXX XXXX XXXX. I WAS SCAMMED OUT OF {$XXXX} using their PLATFORM. They did not protect my money from a scammer who was using their Platform.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to dispute incorrect personal information on my credit report. The names XXXX XXXX, XXXX XXXX XXXX, addresses 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and phone XXXX XXXX XXXX XXXX listed do not belong to me. Please investigate these inaccuracies and remove them from my record. And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 accounts is inaccurate.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2020-01-02
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. (WA)

XX/XX/2019 - Hard Inquiry from XXXX XXXX XXXX XXXX , XXXX XX/XX/2019 - I discovered the inquiry on my credit report. This was unauthorized as I do not hold any accounts or services with XXXX  XXXX XXXX, neither past nor presently. I viewed many forums ( mostly on XXXX  XXXX XXXX XXXX website ) and confirmed that this is a widespread issue with many other non-customers receiving unauthorized/fraudulent inquiries from this company. Please note in all of these cases, the company would not attend their issue and redirected individuals to the Credit Bureau ( even to those who stated they had already done this ). XX/XX/2019 - I called XXXX  XXXX XXXX XXXX , XXXX. The XXXX  XXXX XXXX representative could not locate any information on this inquiry and instructed me to contact the Credit Bureau. XX/XX/2019 - I submitted a dispute with Equifax regarding this inquiry, stating it was Unauthorized. XX/XX/2019 - Investigation completed. The results are : Inquiries are a factual record of file access. 

There is no way for me to further dispute this as Equifax refers me back to XXXX  XXXX XXXX, and XXXX  XXXX XXXX refers me back to Equifax. Neither party is willing to resolve this matter which has left me ( and many others ) in an endless loop.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-12
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: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

Account Name : XXXX  - Account Number : XXXX Account Name : XXXXXXXX  - Account Number : XXXX Account Name : XXXX/XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account XXXX : XXXX XXXX  - Account Number : XXXX Account XXXX : XXXX XXXX  - Account Number : XXXX Account XXXX : XXXX XXXX  - Account Number : XXXX