davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

TOOK OUT A NO INTEREST LOAN AT THE DENTIST OFFICE FOR $ XXXXTOLD IT WAS NO INTEREST LOAN. PAYMENTS MADE MONTHLY RECIEVED NO PAYMENT BOOK PAYMENTS NEVER LATE.AFTER ONE YEAR BALANCE WAS XXXX.THEN TODAY I RECIEVED NEW STATMENT SAID MY NEW BALANCE WAS {$4700.00}, {$1300.00} IN INTEREST WAS NOW OWED.I WAS NOW INFORMED IT WAS A DEFERRED LOAN, SOMETHING I WAS NEVER INFORMED OF .CALLED COMPANY AND SAID THEY WERE DECEPTIVE AS WAS THE DENTIST. .INFORMED ME THE LOAN WAS TO THE DENTIST NOT THEM YET ALL PAYMENTS WERE MADE TO THEM.I SAID I WOULD PAY THE FULL BALANCE I OWED MINUS THE INTEREST.THEY SAID YES BUT REFUSED ANY VERIFICATIN BEFORE THEY GOT THE BALANCE.BECAUSE IWAS LIED TO IN THE BEGINNING IREFUSED TO SEND MONEY TILL I GOT A VARIFICATON FIRST THEY REFUSED.SO HERE I AM THE COMPAN WAS CARE CREDIT OWED BY SYNCHRONY.PS CARE CREDIT WAS SUED BY C.F.P.B.FOR SIMILAR REPRESENTATION WITH A # XXXX ACTION
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2023 I found XXXX transactions ( {$10.00} and {$25.00} ) I did not make for opening new bank account # XXXX ( I did not open a new bank account ). I called the bank ( XXXX XXXX ) but did not receive any explanations or suggestions. 
On XX/XX/2023 I was trying to access my online banking from my mobile device ( XXXX XXXX ) and it was unsuccessful multiple times. I went to the branch of XXXX XXXX in XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ) with my problem and we realized that somebody used my SSN and all personal information to open new bank account under my name. Also they have changed my phone number and email address in my online bank account, ordered ATM card, withdrawn some cash ( XXXX transactions for {$1000.00} each ) from me ( ATM in XXXX XXXX, CA ) also they transferred {$6000.00} from my credit card to new account # XXXX they opened. I had to close my old account, ordered new debit and credit card, changed my username and login for online banking and pin code for debit card. After I left the branch I was trying to access my online banking again using new user name and password and no success again. I went to the branch next day and they said that somebody called and pretended to be me and asked why the account was closed. When they did not answer to security question correctly the operator blocked my new account again.
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ID Analytics, Inc. (MD)

An application for an automobile loan was refused by XXXX XXXX, on/about XX/XX/2020, based in part due to a credit report by SageStream , LLC ; including the following negative comments : XXXX Too few active accounts * Limited credit history. 

Now, i have been using credit in the US for nearly 10 years. During that time, i have ALWAYS paid on time and in full. 

IF SageStream is not able to identify sufficient accounts, or has Limited credit history on me, I feel it is both incompetent and fraudulent for them to presume to supply credit advice on me. Why should I suffer because of their ignorance? 

XXXX XXXX
Consumer complaint received 2023-06-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Empower Finance, Inc. (NY)

Empower charges a subscription fee of $ XXXX. I signed up for the app after a trial period of XXXX weeks in XX/XX/2021 and was charged a subscription fee/month since that time. I NEVER used any Empower service and also did not receive any notification of the subscription being charged. I've been charged {$170.00} for no reason what so ever. This is a deceptive business practice. If money is being debited from my accounts then I should be notified about it. I received no monthly, quarterly statements from Empower but they kept deducting my account. I reached out to the company and they refused my full refund request. 

regards,
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2023-11-08
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: EQUIFAX, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I have submitted letters to them via XXXX XXXX, mail & via Experian app, I am resending this letter to get validation of the debt and will need a response within 30 days, the only send letters stating that the debt is verified but not how it has been verified or anything
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have submitted letters to them via XXXX XXXX, mail & via XXXX app, I am resending this letter to get validation of the debt and will need a response within 30 days, the only send letters stating that the debt is verified but not how it has been verified or anything
Consumer complaint received 2023-04-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I believe XXXX cents where fraudulent add it to my balance by Shell Point Mortgage Servicing. during a loan modification date XX/XX/XXXX. 
After questioning I received a letter from Shell Point Mortgage Servicing data XX/XX/XXXX XXXX does not explain the reason why this amount was added or where it came from I have asked Shellppoint to please explain, but shellppoint is trying to put it under the carpet. 

almost dual tracking : important : ShellPoint Mortgage Servicing the most recent letters I received dated XX/XX/XXXX stating that due to the complex nature of the matter Shell points respectfully requesting additional time to respond fully to my inquiry in regards to the money that it was added to my account. 

another letter XX/XX/XXXX estating that I have sent documentation for a long modification to lost mitigation, which is false I have not recently sent documents I have been a very cleared with shell Point Mortgage Servicing that before curing late payments we need to correct all errors that I have been trying tocorrect since XXXX including payments that I have not been posted to my account, Obviously this {$23000.00} that was added to my balance and I have been paying interest since the modification on XX/XX/XXXX, This complaint is to insure Shellpoint dont ignore the fact that we need to correct the balance I owe on this account. 

please wait for second part.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have Five Fruad Accounts on All Three Credit Reports XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX {$690.00} XXXX XXXX {$610.00} XXXX XXXX XXXX {$120.00}
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm XXXX XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-24
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I had received a letter from XXXX XXXX and have been trying to contact them for a month now via email, phone and mail and request this information every attempt of contact, they have not gotten back to me but according to my mother call her excessively and disclosed information, Im not sure if that is true or not but what I do know to be true is I have been trying to come to an agreement and they are refusing. I understand XXXX XXXX is a receivership company meaning after failure for people to comply they can freeze bank accounts, however I have been trying to comply.
Consumer complaint received 2023-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (KY)

New : Mohela Failed to Re-Process my Income Driven Repayment Plan using the SAVE Criteria 225 % of Poverty Guideline Exclusions. Had to submit 4 applications and they keep marking them as duplicates not honoring their contractual obligations. Issue still not resolved resulting in higher payments. 

Follow Up to CFPB Complaint XXXX " UnResolved '' : Mohela has XXXX to count Qualifying Payments for XXXX XXXX Military Service Issue : Not getting full credit for Prior XXXX XXXX Military Service for XXXX in XXXX with Waiver. I had XXXX XXXX Consolidations before XXXX for account history to credit time before then in accordance with waiver. My XXXX XXXX XXXX XXXX started in XX/XX/XXXX ( uploaded to fedloans XX/XX/XXXX ) Requesting XXXX XXXX XXXX Military Qualifying Payments be Credited to Qualifying to my account from the Dates XX/XX/XXXX thru XX/XX/XXXX ( XXXX Qualifying Months ) & XX/XX/XXXX thru XX/XX/XXXX ( XXXX Qualifying Months ) Supporting Documentation is A. Retroactive ECF Form from my XXXX XXXX XXXX XXXX ( Review A & XXXX together ) XXXX XXXX Honorable Discharge Paperwork ( Review A & XXXX together ) XXXX Snapshot from Student Aid website that shows my loans prior to XXXX that Fedloans could not see to give those 27 months of credit. XXXX Department of Education XXXX Fact Sheet ( Yellow Highlight shows XXXX XXXX will be Honored as Qualifying ) Desired Solution : Please review Supporting Documentation A, B, C to credit XXXX additional qualifying payments for my XXXX XXXX XXXX time. Only XXXX of XXXX can see my Account History on Step C to show I had loans that pre-date XXXX to credit my XXXX XXXX Military Service. Tracking Forgiveness should be no later then XX/XX/XXXX 2022
Consumer complaint received 2023-10-10
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress  and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2020-03-30
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: EQUIFAX, INC. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$9500.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$290.00}
Consumer complaint received 2023-08-11
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)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ACCOUNT NAME : XXXX Balance details 0 % paid off Balance {$4500.00} Balance updated XX/XX/XXXX Original balance {$4500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment account Payment summary 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 PAYMENT HISTORY LEGEND Status Paid or paying as agreed Status updated XX/XX/XXXX Past due amount {$0.00} Original balance {$4500.00} Monthly payment - Additional info Responsibility Individual account Terms 120 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone number ( XXXX ) XXXX PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' DELETE FRAUDULENT ACCOUNT PERMANENTLY AND INDEFINITELY NOW THANK YOU DISPUTE RESPONSE!!!!!!! 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

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 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 federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-06-27
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: LEXISNEXIS (TX)

On XX/XX/XXXX called Lexis Nexis Risk Solutions multiple times and as I had already done in XX/XX/XXXX, to request a paper copy of my consumer Disclosure Report and all the PUBLIC INFORMATION REPORTS AS WELL AS THE SOURCES OF THE REPORTING AGENCIES THAT THEY OBTAIN THEIR INFORMATION FROM. First they said that I had to send them proof of my identity, so I immediately sent them XXXX, SOCIAL SECURITY CARD and my water bill on their secure portal. They acknowledged receipt of all of them and that my identity had been proven and that they would send me printed copies of all my requests in 5-7 days. As of XX/XX/XXXX, I havent received anything from them. I receive notifications and pictures of all my XXXX mail and they havent sent me any of the promised items. I called several times today, XX/XX/XXXX and was transferred to the Public Records Department by XXXX and again I waited on the phone for at least 30 minutes and a person named XXXX answered and was uncooperative and refused to transfer me to a supervisor and hung up on me. I tried calling back and waited about 15 min before hanging up.

I need these reports to clear up 5 vehicles and another home registered in my name on their records that they are selling to other organizations and consumer reporting agencies. Specifically, XXXX XXXX will not remove these vehicles and additional home from my consumer report with them until I receive the Lexis Nexis report showing that these 5 vehicles and additional home located in XXXX  are NOT on their reports.
Consumer complaint received 2023-10-10
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-12-10
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. (OR)

In accordance with the fair credit Reporting Act, bureaus have 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 purpose
Consumer complaint received 2020-03-30
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. (MI)

I am trying to get approved for a mortgage. XXXX is reporting on Transunion my ex-husbands credit card. XXXX and XXXX do not have it on their report. It was supposed to be removed about a year ago, I do not have the exact date. We have both tried to get it fixed and XXXX has hung up on me and basically told me too bad. I have our divorce decree and it states I am not responsible for his debt. All I need is a letter from XXXX stating I was removed, however they wont give that to either of us. I would like this resolved sooner than later or I might end up homeless as I cant even get approved for an apartment with the score this is making me have.
Consumer complaint received 2023-10-10
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. (FL)

I have tried multiple times to dispute this one item with both the creditor and all 3 Credit agencies to have this account removed from my credit report due to several violations according to the consumer laws and my rights as a citizen and nothing has been resolved. This is against the consumer law and it's causing me severe grief and XXXX  as I'm unable to purchase a home for my family and giving me defamation. 

The Creditor ( XXXX XXXX  ) has also violated my consumer law by not giving me the option to opt out from having my information reported to a 3rd party which by " 3rd party '' includes all 3 credit agencies ( XXXX, Experian and XXXX ) and here is the law as it is written. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; XXXX XXXX XXXX - Account # XXXX
Consumer complaint received 2023-10-10
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. (FL)

In accordance with the Fair Credit Reporting act ( XXXX ) Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2021-07-30
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 (ME)

Credit card company capital one refuses to accept my dispute request and has denied it despite me providing all necessary documentation they asked for. The case is clear - I am owed {$100.00} from XXXX for a XXXX hotel room I booked that was not as advertised. XXXX refunded the money to XXXX. XXXX refuses to refund the money to me. I have provided proof of that as you can see in the attachment. Capital one demands a letter from XXXX saying they will refund the money, but that is not possible as that is what the dispute is about - XXXX refuses to refund me my money that has already been refunded to them by XXXX. See the attachment for full details.