davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

This is my third complaint today regarding Experian. This is not a duplicative complaint. I called Experian twice today. Each time I was on a very long hold and subsequently disconnected. After speaking with a dispute agent, the call makes a static noise, then I can no longer hear the agent. Moreover, Experians global website indicates the dispute department closes at XXXX XXXX, in each time zone. I called back a third time before XXXX XXXX PT. After an excessive hold time, I got to an agent in XXXX XXXX and said Im no longer allowed to file a dispute today because it is after the XXXX XXXX cutoff time. This is due to no fault of my own. I did, in fact, call before XXXX XXXX Its not my fault the hold time is excessively long. This is clearly an unfair business practice and a potential violation of the FCRA because I am essentially being denied my legal right to file a fraud dispute. Experian is making it very difficult to get to an agent within a reasonable time frame form the onset of a telephone call. I will file a complaint with the FTC, XXXX  and state attorney generals office.
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (NY)

contacted fortiva to cancel a credit card that isnt used anymore ( after one purchase from early 2021 ). i was told the card AND annual fee would be cancelled and to not worry. XX/XX/XXXX i got a statement from fortiva with the annual fee AND a late fee. i called customer service right away and was told as long as i pay the annual fee, theyll waive the late fee. unfortunately i didnt get a confirmation from the first call because the person sounded like they wanted to die or something and probably gave the wrong information since clearly that annual fee was still on the account. current customer service rep said the account is shown as closed but the annual fee is still up.
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

hello id like to resolve an ongoing matter that needs to be resolved finally. 
I have had an account in the past with XXXX and had a stellar payment history never missed a payment and always made them well ahead on time never any issues. Apparently I was informed there was a time in which I had updated my financial institutions on there website where payments were automatically taken and there was a system glitch which kept attempting to withdraw funds from a bank account I had recently closed and this caused for a late payment to reflect on my credit bureau as this is showing false and misleading information as I have never purposely made a payment late. I was advised they would look into this matter and update the credit bureau but I've never heard back and this still is reflecting negative and need to be cleared up and removed as I have never been late.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, 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. (MD)

For the past 3 years, i have not been able to access my credit report from Experian despite numerous attempts both online and through their help line on the phone. I can not create a new account, access the account i created previously, or change the password. Each time, i get a generic error that does not explain the issue and calling Experian just results in them telling me they can not access my account. 

I not only don't know what is in my credit report, but i have no way to fix it. I don't know if there are errors or how to fix it. 

I have tried to access the report from Experian through the government sponsored website for yearly reports, directly from Experian website, and through ob the phone. 

I want to know what can be done to make Experian compliant with the law.
Consumer complaint received 2022-02-01
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. (CA)

I have written several letters over the last few months to the creditors as well as to the bureaus about lates that were reported on my credit during the pandemic, that the creditors had agreed verbally over the phone to give me a deferment on the payments due to covid. The lates are inconsistent and not correct, I have attached a screen shot of my report for you to see. 

The lates have drastically dropped my scores preventing me from getting approved for business loans and credit. 
I read about the care act listed below and am reaching out to seek your help. 

Section 4021 of the CARES Act amends the Fair Credit Report Act ( FCRA ) to address coronavirus-related accommodations made by furnishers. New FCRA 623 ( a ) ( XXXX ) ( F ) requires a furnisher making a COVID-19 related accommodation on a consumer 's loan account to report the account as current unless the account was delinquent prior to the accommodation.
Consumer complaint received 2021-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

My credit score was XXXX from XXXX until XX/XX/XXXX. I was told XXXX  points was taken from my score because of to many inquiries but only 3 was reported and only XXXX  points was taken. Then XXXX XXXX XXXX XXXX brought my score down to XXXX. And there is nothing I can do to bring my score back since all my credit card are paid in full. How can one card take XXXX points from my score, when I was told that get credit cards helps build credit. 
Can you please restore my score back. I was in the process of buying a house. Now I cant ever rent an apartment!!!!!
Consumer complaint received 2021-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I filed a police report, Fraud FTC affidavit and provided a written Fraud statement to Capital One and the CRAs. Subsequently the CRAs validated my ID Theft and removed my tradelines. Capital One just attempted to collect on this balance via a notice in the mail which is a violation of FDCPA and FCRA. I do not owe them. This was ID Theft. I plan on taking any necessary action to resolve this as I am being taken advantage of.
Consumer complaint received 2021-04-25
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. (NV)

This agency is in violation of XXXX U.S.C. XXXX. 

They were to notify me of this in writing XXXX  days prior, I was not. As I am the original creditor, only I can validate this debt. I do not validate this debt. 

Account # in question : XXXX I have tracked the letter I sent to them as received via certified mail receipts, and no action has been taken to resolve this matter
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit score decreased from XXXX to XXXX and I was not able to gain support from the agencies regarding why the sudden drop took place nor how I can rectify my score. I am attaching the report from credit karma. Thank you for your assistance in advance.
Consumer complaint received 2021-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (TN)

To whom it may concern, I was sent a response to a complaint that I filed with thXXXX XXXX  and the CFPB regarding fraudulent activity that took place with my banking account on XX/XX/XXXX. In this response it was stated, We have no chargeback rights for the remaining incidents ( {$40.00}, {$98.00} and {$1200.00} XXXX because XXXX XXXX followed the specific instructions and performed the service successfully. Yes, the {$40.00} I was initially disputing was returned to me, but service was not performed successfully by XXXX XXXX because the three amounts for {$98.00}, {$240.00}, and {$1200.00} were never successfully sent to anyone or anything and were not supposed to be. The person who scammed my account stole the funds right from my bank account by using my debit card. The person phished my account when they had me delink my phone number from my XXXX XXXX account and made it appear that the funds were sent to my XXXX and they never were. They knew at that point I wouldnt be able to access that account again and used that as their opportunity to steal the funds from my account. 

SunTrust, now Truist, apparently has reps working for their institution that are in on what these scammers are doing. Not only was I provided with a fraudulent number once, but when I called the bank to report what had taken place another rep gave me another fraudulent number. SunTrust has yet to provide me with an explanation on how the reps obtained those fraudulent numbers. Saying sorry does not cut it. SunTrust needs to take responsibility for what happened and return the {$1500.00} that was stolen from me. 

I realize that its not like the bank doesnt understand what I am saying, they just dont care and do not want to own up to the wrong that was committed by the reps who represent them. With that being said, I respectfully decline the bogus resolution that was provided to me. I was told by at least two bank managers/reps that the bank would refund me my money and I want my money back. I've provided more than enough information showing that money was never sent anywhere and that the person stole all of my money from my account by using my debit card. 

I would also like the phone calls that took place with SunTrust on XX/XX/XXXX provided to me as well.
Consumer complaint received 2022-02-01
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. (CA)

I have written several letters over the last few months to the creditors as well as to the bureaus about lates that were reported on my credit during the pandemic, that the creditors had agreed verbally over the phone to give me a deferment on the payments due to XXXX.  The lates are inconsistent and not correct, I have attached a screen shot of my report for you to see. 

The lates have drastically dropped my scores preventing me from getting approved for business loans and credit. 
I read about the care act listed below and am reaching out to seek your help. 

Section XXXX of the CARES Act amends the Fair Credit Report Act ( XXXX ) to address coronavirus-related accommodations made by furnishers. New XXXX  XXXX ( XXXX  ) ( XXXX ) ( XXXX ) requires a furnisher making a XXXX related accommodation on a consumer 's loan account to report the account as current unless the account was delinquent prior to the accommodation.
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NJ)

On XXXX XXXX I was in an accident my car was totaled in a flood. I called my insurance XXXX XXXX to report the accident and they informed me my insurance had been canceled after many phone calls XXXX realized this was an error on their part. I continued to make my payments from XX/XX/XXXX to XX/XX/XXXX I did not want to ruin my credit even though the car was no longer in my possession. XXXX  paid Hyundai on XX/XX/XXXX {$13000.00} the gap insurance paid off the remaining balance on XXXX, XXXX my account was closed on XXXX I then received a collection alert from XXXX XXXX that I owed 2,330 I sent them a check for {$460.00}. I have spent hours with Hyundai and XXXX  on the phone. I went to buy a car today XX/XX/XXXX I was told my credit was XXXX it dropped from XXXX I have not had a car since XXXX XXXX I cant afford a lawyer to fight XXXX  and or Hyundai motor finance. Please help me.
Consumer complaint received 2021-04-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

Navient has unfair business practices for my private student loan and violates regulation z, p, unfair practices etc. 

they have never provided a payment schedule to me, leaving uninformed how I continue to pay money and my loan never resolves. 

they don't provide any tax documents, how interest is capitalized, how extra payments don't all go towards principle and end up paying interest and principle even if in excess I've been on public assistance for basically the life of the loan and my cosigner is also disabled getting permanent XXXX. 

I've provided over 8 applications for cosigner release in the past year and they have no responded to any of my applications with how to submit whatever random evidence they need or require.
Consumer complaint received 2023-06-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XXXX XXXX, XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX  XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX & XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2021-04-23
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: EQUIFAX, INC. (TX)

Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identitytheft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2021-04-24
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 — Their investigation did not fix an error on your report
Company: CMRE Financial Services, Inc. (CA)

On XX/XX/2021, a derogatory mark was added on my credit report per XXXX XXXX from CMRE Finance for an amount of {$1300.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability Accountability Act ( XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofold-validation of debt and HIPPA authorization.
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Upon reviewing my consumer credit report, I discovered that I am a victim of identity theft. My identity has been fraudulently used to try to obtain credit. I have attached a list of these accounts and the inquiry dates for your reference. These unauthorized inquiries are negatively impacting my credit score and hindering my ability to purchase a home for my family. I request that these inquiries be deleted from my credit report as they do not belong to me and are the result of identity theft. Your prompt attention to this matter is greatly appreciated as I am in the process of buying a home for my family. Thank you for your assistance. 

CONSUMERS COOP CU via CONSUMERS COOP CU inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-31
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. (NY)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-04-24
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: DISCOVER BANK (MD)

Scammer stole my card and bank information using my voice and phone number and email to respond to charges by agreeing to them. I now have to go through bankruptcy to cover the charges on my credit card and the loss of my XXXX I had in my XXXX XXXX accounts. I also had to pay back XXXX they took from my line of credit. XXXX only gave back XXXX, XXXX XXXX rejected the payments, but Discover Card never refunded me and refused to. They stated since 'I'agreed to the charges, there was nothing they could do.
Consumer complaint received 2021-04-24
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: EQUIFAX, INC. (NY)

I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my son.
Consumer complaint received 2023-02-21
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)

N accordance with the fair credit reporting act 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 instruction.
Consumer complaint received 2021-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

On XX/XX/2021 my mortgage loan is being transferred to XXXX XXXX, a XXXX XXXX of Nationstar Mortgage, from XXXX XXXX Mortgage. On XX/XX/2021 I made my first payment on this loan and also included a principal curtailment of {$96.00} resulting in a new principal balance of {$200000.00}. When I received my first statement from XXXX XXXX they showed the transfer principal balance as {$200000.00} thus ignoring my curtailment made. I have contacted both XXXX XXXXr and XXXX about this issue and still have not received a resolution to this transfer error. My next payment is due on XX/XX/XXXX and I have informed them that I will not make it unless they correct this error.
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

On XX/XX/21 I was recently denied credit and I pulled my credit report and I found out I was violated under the federal protections provided to me as a consumer under the FCRA.15 USC 1681a ( 2 ) ( B ). clearly states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a CREDIT CARD or similar device '' should be excluded from a consumer report.

A social security card is a credit card defined pursuant 15 USC 1601 ( l ) under TILA which is the same as the definition as a credit card under the FCRA stating any card, plated coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit.

The following extensions of credit included in the attachment letter were authorized from my social security card or my credit card and these accounts are in violation of 15 USC 1681 ( a ) ( 2 ) B ).

These accounts also are in violation of 15 USC 1681b ( 2 ) because I did not give written content to furnish these accounts and therefore these accounts do not have permissible purpose. By releasing this information they have violated my right to privacy pursuant to 15 USC 1692a and as result have caused me damages from emotional stress, additional barriers to receive funding during the pandemic, and aided in tarnishing my reputation.

I DEMAND a removal of these accounts as a federally protected consumer under the law.

This is me and not done by no one else. I have sent notarized letters to the Equifax