davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (FL)

Took out loan to pay another loan. I am a totally and permanently XXXXXXXX XXXX I will die soon from my injuries while stuck in this endless borrowing cycle because I am unable to work.
Consumer complaint received 2024-06-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA (MO)

I received a statement from Kia Finance dated XX/XX/year>, stating that I owe a past due amount of {$320.00}. I requested the payment history for the entire period I have financed my vehicle, from XXXX to XXXX ( 5 months total ). After calculating my total payments to date, I verified that I've made payments exceeding the minimum required for the 5 months. The total payments made are {$4600.00}, which is {$1000.00} more than the minimum required. Therefore, I do not owe the amount they claim. When I spoke with the representative, she mentioned that the payments might have been misallocated to the wrong month but did not attempt to rectify the collection issue, simply stating that I still owe the amount. I asked her to review my payments and ensure they are correctly allocated to show that I don't owe {$320.00}, but she said she was unable to correct the issue. I requested to speak with a supervisor several times, but was told that the supervisor was not available.
Consumer complaint received 2018-05-17
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: U.S. BANCORP (OH)

I just applied for a home loan ; joint with my husband. My Credit Score info : " Your credit score is not available from any consumer reporting agency, because they may not have enough information about your credit history to calculate a score '' I have always had an excellent credit score, but last checked it about 6 months ago with XXXX-free with my credit card account. I have a home & auto loan in my name, as well as several revolving charge cards- all with excellent credit history. 
I went to the XXXX site last night, I could not log in, I went to US Bank, " no  information is available at this time ''. I am sick to my stomach as what has happened?
Consumer complaint received 2024-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted the company 5 times about received my credit score via there service on the XXXX XXXX XXXXXXXX XXXX. Each time I have called they'd say it would take XXXX business days to fix ( after going over my information with them ). It has been two months now and the service still does not work. They've sent the issue to two other departments and nothing has been done to remedy the problem. They have not called back once explaining there issue.
Consumer complaint received 2024-07-05
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. (CA)

To whom it may concern : I am a victim of identity theft and XXXX XXXX.

I write to dispute certain information in my file resulting from the crime. Just so you know the items I am disputing do not relate to any transactions that I have made or authorized. Please make Experian comply with the Fair Credit Reporting Act and remove these fraudulent accounts from my Credit file. 
XXXX fraudulent accounts are showing up on my Credit Report, these accounts are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX 
XXXX fraudulent account 's ( XXXX XXXX XXXX ) opening date is XX/XX/XXXX ( When I had not even stepped foot in the United States, had no Identity, and no Social Security Number ). I arrived in the United States as a XXXX in XX/XX/XXXX. It was physically and scientifically impossible for me to open that account. You can see that my Social Security Number was issued after the opening date of this fraudulent XXXX XXXX XXXXXXXX account. 
I entered the Country for the first time back in XX/XX/XXXX and before that, I was XXXX  and XXXX out of XXXX because of Political Problems and into XXXX until I finally came to the United States. A lot of people had access to my Passport/Identity documents along the way, which put me at extreme risk of Identity theft and for my sensitive documents to be compromised. 
The above XXXX items are inaccurate because they do not belong to me, are fraudulent, unauthorized by me, and are a direct result of criminal Identity theft. 
I have only ever opened and authorized XXXX XXXX XXXX in my lifetime, they are both from XXXX XXXXXXXX opened in XXXX, and those plus XXXX auto loans are the entirety of my CORRECT and AUTHORIZED Credit History. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, to section 605B of the Fair Credit Reporting Act and section 605C of the Fair Credit Reporting Act ; I am requesting that the XXXX fraudulent items be fully removed. 
Attached are Proof of my Identity and address, copies of the Police report, an Identity theft report supporting my position, first issued Social Security number demonstrating that the fraudulent XXXX XXXX XXXX account was opened before even I arrived in the country and had a Social Security number. Also attached is my XXXX XXXX by the Department of Homeland Security XXXX years ago proving that I was an XXXX and XXXX XXXX XXXX 
Please have Experian comply with section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, section 605B of the Fair Credit Reporting Act, and section 605C of the Fair Credit Reporting Act and delete the disputed items as early as possible.

It seems unfair that the only way for me to get these off my Credit report is to file a lawsuit against Experian. 
I hope that the Consumer Financial Protection Bureau can end this never-ending nightmare for me. 

Thank you, XXXX XXXX
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT of EDXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Ed/XXXX  XXXX XXXX XXXX  XXXX XXXX U.S. Department of Education XXXX XXXXl XXXX XXXX Dep of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dept of EDXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 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 2024-07-09
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: Experian Information Solutions Inc. (CA)

To my disbelief my credit report has been accessed by these companies without my authorization nor consent, which has negatively impacted my credit and credit score. I reached out to Experian, and their representative assured me that these inquiries would be removed. However, they still appear on my report. These unauthorized inquiries are causing me significant XXXX  and concern that I might be a victim of identity theft, adding undue stress to my life and further damaging my credit score.
Consumer complaint received 2024-07-05
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. (CA)

To whom it may concern : I am a victim of identity theft and human trafficking. 
I write to dispute certain information in my file resulting from the crime. Just so you know the items I am disputing do not relate to any transactions that I have made or authorized. Please make Experian comply with the Fair Credit Reporting Act and remove these fraudulent accounts from my Credit file. 
XXXX fraudulent accounts are showing up on my Credit Report, these accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX fraudulent account 's XXXX XXXX XXXX XXXXXXXX ) opening date is XX/XX/XXXX ( When I had not even stepped foot in the United States, had no Identity, and no Social Security Number ). I arrived in the United States as a XXXX in XX/XX/XXXX. It was physically and scientifically impossible for me to open that account. You can see that my Social Security Number was issued after the opening date of this fraudulent XXXX XXXX XXXXXXXX account. 
I entered the Country for the first time back in XX/XX/XXXX and before that, I was XXXX and XXXX out of XXXX because of XXXX XXXX and into XXXX until I finally came to the United States. A lot of people had access to my Passport/Identity documents along the way, which put me at extreme risk of Identity theft and for my sensitive documents to be compromised. 
The above XXXX items are inaccurate because they do not belong to me, are fraudulent, unauthorized by me, and are a direct result of criminal Identity theft. 
I have only ever opened and authorized XXXX Credit Cards in my lifetime, they are both from XXXX XXXXXXXX opened in XXXX, and those plus XXXX auto loans are the entirety of my CORRECT and AUTHORIZED Credit History. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, to section 605B of the Fair Credit Reporting Act and section 605C of the Fair Credit Reporting Act ; I am requesting that the XXXX fraudulent items be fully removed. 
Attached are Proof of my Identity and address, copies of the Police report, an Identity theft report supporting my position, first issued Social Security number demonstrating that the fraudulent XXXX XXXX  XXXX account was opened before even I arrived in the country and had a Social Security number. Also attached is my XXXX XXXXXXXX by the Department of Homeland Security XXXX years ago proving that I was an XXXX and victim of XXXX 
Please have Experian comply with section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, section 605B of the Fair Credit Reporting Act, and section 605C of the Fair Credit Reporting Act and delete the disputed items as early as possible. 
It seems unfair that the only way for me to get these off my Credit report is to file a lawsuit against Experian. 
I hope that the Consumer Financial Protection Bureau can end this never-ending nightmare for me. 

Thank you, XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (MN)

I am writing to complain about the services that are provided by Experian, XXXX, and XXXX. 

These are services that are supposed to be responsible for reporting my credit to potential loan providers. I do not think that they should be allowed to sell services. I am constantly receiving offers from these agencies regarding additional services that cost money. They shouldn't have their hands in any of this. We are required to use their services, they should be considered a governmental agency, and it is ridiculous that they are shoving other financial services down consumer 's throats. 

It is VERY difficult to find where to do a security freeze on Experian 's website, but is easy to find their advanced security protection services, which of course, are {$25.00} a month. It is a scam that they are allowed to do this, and if people do not pay close enough attention, they will be paying for a service that is provided for free through the security freeze option. This is not the same experience with XXXX or XXXX. 

Thank you, XXXX
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/XXXX, I dined at XXXXXXXX XXXX XXXX  in XXXX XXXX, NV and paid with a Chase United-branded credit card ending in XXXX. 

After tax and tip, which I had to compute myself and write on the bill before signing, my bill was approximately {$480.00}. I did not get a customer copy of the receipt. However, a wildly different amount could not have escaped my notice at this time. 

Several weeks later, when I received my credit card statement, the actual amount billed was approximately double this : {$950.00}. 

After numerous attempts to reach the restaurant failed, I attempted to dispute this with Chase, who informed me that if I do not have my copy of the receipt, there is nothing they can do. Specifically, they have repeatedly stated that they will not even ask the restaurant for their ( merchant ) copy of the receipt. Moreover, they refused my request to escalate the dispute to arbitration. 

Chargeback policies aside, at this point Chase is insisting that I owe them {$950.00}, which I am confident that I do not. If I am not mistaken, the law requires anyone attempting to collect a debt to provide proof that such debt is owed, which they are refusing to do. So at this point it seems to me that Chase is attempting to illegally collect on this ( invalid ) debt.
Consumer complaint received 2024-07-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (NY)

Once again, Comenity Bank has managed to turn a good customer into a frustrated, irritated mess. 
I wrote in earlier this year about Comenity 's policy of 'freezing ' accounts after receiving certain payments. No satisfactory response was provided, but I was able to use my card with few interruptions for a period of a few months. 
Now, when I am traveling, after having made a payment, my card has begun to decline despite the fact that I have available credit remaining. However, even though I called in and heard about the 'hold ' that was AGAIN placed on my account, the logic of " protecting '' the bank is contrived due to the payment being made on XX/XX/XXXX and already having been posted, along with the funds removed from my account. Theoretically, if I was a bad actor, I could have made a massive payment, utilized the available credit with spurious charges, and then cancelled or bounced the payment when Comenity got around to removing it from my bank. Placing a 'hold ' on my account 3 days after the payment post date, after I had used some of the available credit resulting from the payment, defies logic and has no conceivable explanation. I am in a different city and rely on my cards as vital tools to facilitate purchases and services I need to procure while here. Having repeated declines when I HAVE AVAILABLE CREDIT is unacceptable. 
When I spoke to Comenity customer service, the response was less than thorough. The associate presented the pending charges, payment, and hold as such various, different, unusual issues instead of the normal credit card activity they are. 

Comenity is inept, useless, and shameful. Instead of reaching out, PROACTIVELY, to customers, they force them to receive information that no one can help with via a plodding and slow customer service line. XXXX XXXX and her canned replies are not helpful, and I want this hold taken off my account IMMEDIATELY.
Consumer complaint received 2023-08-24
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: FIRST HORIZON BANK ()

I previously filed a complaint about a credit card showing up on my credit report. 
First Horizon says that they do not have me as an authorized user on a credit card. 

Yet, on the credit report it shows a card from First Horizon indicating that I am an Authorized User. 

If First Horizon states that I am not, no relation to any bank account, credit card or debit card, then there must be a reporting error? Or did they issue a card and can not close it for some odd reason? 

I want to avoid any fraudulent risks. 

If I am not an authorized user on any accounts or cards, on what basis are they reporting?
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I received a Notice of Adverse Action from XXXX XXXX XXXX. I have attached a photograph of this letter. They checked my credit with TransUnion. As you can see from my photograph, they used only TransUnion and you can see under the Reason category a comment that says " Serious delinquency. '' This is absolutely false. I have no delinquencies at all. 

I have also attached a copy of my TransUnion member dashboard. I pay them money so I can access my TU credit data whenever I want. As you can see, it clearly states " XXXX '' in the " Delinquent '' cell. I also got a full printed copy of my TU report in the mail. No account in the report contains a single negative payment annotation let alone a " serious delinquency. '' I contacted TU to get this corrected multiple time. I was consistently forwarded to account representatives, some of whom I couldn't understand as an English speaker, that simply provided repetetive an unhelpful replies. They gave me no means to correct the problem. Somehow TU provided false information that I know was included in the evaluation of my credit. TU will tell you that they only provide a report to a 3rd party, and the 3rd party does what they want with it. However, the information you can see for yourself can only be provided or derived from data provided by TU. I want this corrected. I never want to see a " Serious delinquency '' comment on any information provided from or derived from information TU originates, and I want an explanation.
Consumer complaint received 2024-07-22
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)

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. 

Account Name : 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 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 XXXXXX/XX/XXXX 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 2017-07-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (AZ)

I am a XXXX XXXX, we have been trying to close on a transaction in Arizona and had to postpone it is costing my XXXX hassle and money had to cancel his work responsibilities 3 times being is XX/XX/XXXX weekend also his holiday vacations. We were told the loan was fully approved and it has not. Listing agent issued 2 cure notices we had to pay {$500.00} for the first extension {$500.00} for the second extension, Cure notice in Arizona is a 3-day process. Cure notice expires tomorrow my XXXX will loose his {$2000.00} escrow money. The deal stated to be a conventional loan 1 week before closing Lender persuaded my XXXX that it was better to switch to FHA his payment will be {$200.00} lower we will have to extend COE for just a week since we had everything was done, inspection, appraisal etc. Then underwriter needed the second appraisal since the home had been Rehab completely just 3 months before, another delay due to waiting for the new appraisal. My XXXX had to get storage for his new appliances that were supposed to be delivered Friday, XX/XX/XXXX.  pay extra for the landscaping delay since landscaper had already bought all materials and was ready to start the job. They have not cared what so ever about COE. And so hard to find the person in charge that could have help in this matter.
Consumer complaint received 2024-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (SC)

I performed my obligation to settled the account. I instructed the company to send to legal department or indentured trustee who handles registered securities and process them. It was also in the instructions if I missed a step or made an error to write me back through mail to fix the issue in order for them to process and settled the account as accord and satisfaction. I am willing to correct the error if they can inform me on it. This has become a billing error and my account is not reflecting the correct amount that the interest be applied to the principal 's account to set it off and bring it to zero.