davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC (IA)

Since XXXX, we have called Fay Servicing many many times to file for loss mitigation/refinancing options and have complied with submitting all documentation/proof they requested and one time we have all documents another time we don't ... .We feel they were railroading us so we couldnt keep our house! And all of those months I have proof of sending pay stubs, applications, verifications that they were asking for. On the XXXX of XXXX, the representative said she had everything to submit it to the underwriters all I had to do was submit more pay stubs on on top of the XXXX XXXX that we already sent. I have proof of sending those pay stubs on the next morning to be approved and put with the application to be submitted to the underwriters I called today to check on the status and they said they never got the pay stubs and that it's too late I explain explained to the lady that we submitted all of that information every month from XXXX to XXXX but now our house is going up for foreclosure on XX/XX/XXXX and I guess it's too late even though they said that we had a chance after we submitted everything they needed can't get a clear answer from no one in that company and every time we call somebody has a different answer than the last person!!!!!
Consumer complaint received 2023-01-05
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. (GA)

I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRAsection 605b credit bureaus are required to remove/block any item listed on an id theft report. Please find the required documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
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 2023-01-05
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. (VA)

I have contacted XXXX XXXX, XXXX, and Experian credit reporting agencies regarding inaccurate information on my report. After trying to correct this inaccurate information these companies refuse to remove the information once they were told they were in violation of law. 15 usc 1681 ( a ) definitions ; rules of construction ( 2 ) ( a ) clearly states report containing information soley as to transactions or experiences between the consumer and the person making the report is excluded. According to the Fair Credit Reporting Act ( CFRA ) violation and penalties ; I can be compensated for these agencies my willfully violating my rights. These companies have caused harm. The inaccurate information lowered my credit score by not allowing me to have a fair representation and accurate information when applying for loans.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (PA)

This company is a XXXX XXXX posing as a credit card company. Read the reviews/complaints dating back to XXXX  and before. 

Their return address is a XXXX XXXX XXXX Probably located in back of XXXX  in the XXXX.
Consumer complaint received 2023-08-08
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. (FL)

I am not liable for any debt with XXXX XXXX Apartments I dont not have a contract with XXXX XXXX XXXX and after numerous attempts to resolve this inaccurate information being reported on my credit they have failed to send me a copy of the contract as requested
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

Comenity BankXXXX XXXX XXXX is always " down '' which prohibits my ability to pay online or via the company 's phone app. When I try to make a phone payment they rarely answer the phone and on the off chance that I do get a live person, I explain to them the technical " glitch '' ( this is a direct quote from their website when you try to log in ), I haven't been able to make a payment. The customer service rep on the other end of the phone shows zero interest in this problem and just wants the money. I believe this is a scam to collect late fees. This specific company also has a term in their " terms and conditions '' that you are approved a " much lower APR '' than what you would normally get but " repeated instances of late or non-payment will result in the APR increasing '', this increase is pushing 30 %!!!! If the company doesn't want me money, that's fine, I shouldn't have to chase down a creditor to pay what I owe them. The flip side to this is that I have voicemails on my phone where the company calls me to collect because, obviously, payments are late and these calls are made at very odd and inconvenient hours, usually between XXXX and XXXX. This problem needs to be corrected or they need to relinquish their accounts to another creditor that can handle the business.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CO)

Chime locked my account due to a refund I received. 4 days later the closed my account and told me I dont get a refund for any balances. They kept my paycheck and the refund I received. Ive emailed them repeatedly and they wont respond to me anymore. They stole my money. XXXX XXXX XXXX is the refund they locked my account for and XXXX even tried to reach out and they wont respond or give me my money back. My company even reached out trying to get me my money and no response. This happened on the XXXX of XXXX.
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (CA)

On XX/XX/2022, I received via USPS letter from XXXX 's dated XX/XX/2022 that stated my credit application has been denied. Next day I received a letter via USPS from XXXX XXXX XXXX stating the same. I filed neither of these applications. Then I called the three credit agencies and verbally communicated these facts and asked to take these actions/inquiries off my credit history and established credit alert and security freeze. I was told to submit a police report, which I filed and submitted to XXXX today, ( via postal mail ), and, now am filing with FTC ( via CFPB ) here as per instruction by XXXX.
Consumer complaint received 2023-04-20
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 XXXXXXXX
Consumer complaint received 2023-01-04
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. (GA)

XXXX XXXX XXXX  stated that my credit report with Experian and XXXX. My credit report is not locked with either company. I see the inquiry is listed on Experian and XXXX. I contacted XXXX XXXX and they argued me down that my credit reports were locked. I looked on Experian and XXXX and I see the credit inquiry on both. I called XXXX XXXX on three different occasions and they are still telling me my credit file is locked. At this point I would like for Experian and XXXX remove the inquiry that was placed on my credit file by XXXX XXXX XXXX immediately XXXX I have attached a copy of the letter for proof.
Consumer complaint received 2023-08-08
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. (GA)

I have two fraudulent accounts and three inquiries On my credit report. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-01
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. (GA)

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX ], [ XXXX XXXX XXXX XXXX ], [ XXXX  XXXX ], [ XXXX XXXX ], are not complete and accurate. 
[ XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 
[ XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 
[ XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 
[ XXXX XXXX ] open date is not reporting correctly, date last active, balance is not correct, date of last payment is not correct, this account is not accurate.
Consumer complaint received 2024-04-01
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. (SC)

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 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2022-12-23
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: EQUIFAX, INC. (NC)

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. 

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX Formerly XXXX # XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX & XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXXXXXX 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 2022-12-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I was just notified that my credit card is several months past due. I had it set up for auto pay with XXXX XXXX. XXXX sold that card division to XXXX  XXXX  and My {$14.00} original purchase never got paid. Because the amount was so small and the bank was going through a conversion apparently it didn't get reported right away and was allowed to go several months past due and now is reporting on my credit as over 120 days late but this is the first i'm hearing about it from XXXX XXXX and it never reported on my report as late before. I called in and spoke to a supervisor and he could see I had a perfect payment record before this happened. I paid the full amount while on the phone with him and he said to send a letter to the corporate office to see if they can have all those negative non payments removed and restore me to paid on time.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (CO)

Barclays of Delaware mailed me a credit card rejection letter. I hadn't applied for any credit card products. There is no phone number listed on the letter received. I searched for an XXXX number to inquire about the denial and the representative gave me a XXXX number to call. Unfortunately I don't have international options with my current phone plan. 

I asked if there was a fraud department I could speak with, the representative was not helpful at all. This company does not take fraud seriously and doesn't verify applicant information prior to running an application.
Consumer complaint received 2023-09-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (OR)

XX/XX/23, there was a glitch with my bank that affected a {$500.00} payment. I immediately corrected the matter and made another payment of {$500.00} the next day ( XX/XX/23 ) that Sallie Mae has refused to account for. They told me to get a letter from my credit union ( attached below ), proving that the second {$500.00} payment had not been returned and send it to them. They acknowledged receipt of the letter and said they would contact me within XXXX days. 

They have not. By my attached phone record, you will see that I tried many times to reach them. For those calls that lasted XXXX minute, by the time I finally got through to someone, the call was disconnected. They did not call me back though I had identified myself with the myriad identification methods they requested to simply talk with me. 

I have made XXXX payments since the {$500.00} payment in XXXX. The account is in good standing. However, they are charging me for interest and fees on the payment I made XX/XX/XXXX and the unadjusted balance since then. I do not trust their accounting at all.
Consumer complaint received 2022-12-27
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) 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
Consumer complaint received 2023-11-04
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: Eastern Account Systems of Connecticut, Inc. (FL)

This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Consumer complaint received 2022-12-24
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. (TN)

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. 

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : XXXX has violated my rights 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 2022-12-23
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. (OH)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following XXXX XXXX XXXX. I am requesting that you promptly update and delete this unknown account. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute. I am requesting the original contract con to follow reasonable procedures to assure the maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days of receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified account :
Consumer complaint received 2022-12-23
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. (FL)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.