davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have let all 3 credit reporting agencies know in writing with copies of my ID and ssi card about information that is fraudulent on my credit and asked for the items to be removed and for them to show me the contracts with my signature on it. I spoke directly with Equifax on the phone because after I sent this notirized letter in my score dropped by XXXX points. The representative told me they do not have to send me anything. If the company says my information matches there records then it stays. I asked about what proff do they have it was me since I am letting them know I never opened the accounts. They told me they don't have to do anything but just verify with the company but no documents are provided. I let them know what section 609 says they have to provide under the fcra and they do not care. Also companies are on there putting inaccurate information on my report stating I made a payment in a collection account so they can keep on my XXXX longer. Information that was suppose to be removed under a class action lawsuits still remains and they refuse to remove it XXXX XXXX XXXX Recently an account popped up in my XXXX for a loan they are claiming I got in 2014 which never happened I never even heard of the company XXXX XXXX I have several fraudulent accounts on there that these reporting agencies refuse to remove and so do the companies that are reporting them. Inline of them will give me documents with my signature on it or the credit app or even let me know how it was applied for. I need your help to clear this nightmare up
Consumer complaint received 2023-06-30
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. (FL)

15 U.S.C. 1681 section 602 A states I have the right to privacy. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions and if an account is deemed from identity theft then it must be removed within 4 business days. I have a police report of identity theft enclosed to support this matter. I have enclosed FTC report, original police report and identification.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the following account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. 

Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc. (CA)

I keep disputing a collection account that I have no idea what it is. I have asked for an itemized bill but have not provided me with anything. I Never received a bill from the original party and I was sent to collections for a bill I never knew existed. I have disputed and still comes back with no info and collection is still there. How can you possibly put a collection on me for something I don't if know what it is for and yet the collection company has yet to provide or original bill. Its not fair I was never given a proper chance to pay bill. When I dispute a get a response saying Information on this item has been updated. Please review your report for the details. and there are no details.
Consumer complaint received 2021-04-26
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (NY)

I satisfied two mortgages ( see attached letter ) in XXXX, XXXX to form a single line of credit with PHH Mortgage ( or someone on its behalf ). The consolidated mortgages ' satisfaction was improperly drafted/defective, and recorded in this manner. Upon my attempt to sell this property, I have been unable to fully clear title and {$27000.00} of sale funds are being held in escrow and not made available to me. My attorneys : XXXX, XXXX XXXX XXXX XXXX XXXX reached out to PHH Mortgage Services Corp. on XX/XX/XXXX. Since this date, they have faxed, re-faxed, and followed up by phone numerous times ( see additional, attached documentation ) to request the satisfaction be corrected. Now, a month following closing on the property, my attorneys still have not received the corrected mortgages satisfaction. PHH Mortgage initially responded to my attorneys ' calls and provided updates, but now, for over two weeks, no response and no corrected document, as promised. Please assist me, and see attached, additional information.
Consumer complaint received 2021-04-26
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. (NC)

I have sent this document to XXXX  and they are saying they have not received my document I would like the bankruptcy chapterXXXX  to be remove from my credit report.
Consumer complaint received 2021-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

As previously described in my complaint from XX/XX/XXXX No : XXXX I opened a new Business Checking account on XX/XX/XXXX, and submitted XXXX transfer. The account is opened with an active offer that includes a {$2000.00} bonus with a {$200000.00} deposit maintained over 60 days I maintained a balance XXXX for more than 60 days in order to earn this bonus. This was confirmed as below by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I discussed this issue with XXXX XXXX XXXX, a banker at the Citibranch where the account was opened and the ticket was created. 

Citibank eventually responded that I did meet the requirements and that the {$2000.00} reward bonus will be paid out after I submit W9. 
I submitted the form immediately, subsequently, I received a couple of phone calls reassuring me that the funds will be paid by the end of XXXX. 
Currently, almost 2 months later the payment has not been made yet. 
In total from Opening the account in XX/XX/XXXX and depositing $ {$200000.00} and meeting the bonus requirements by the beginning of XXXX, it has been 6 months that Citibank did not fulfill the obligation of paying {$2000.00} to the account
Consumer complaint received 2021-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (CA)

Returned items last year and never received credit. They keep adding on interest and late fees for items that I do not have in my possession. Calling and texting me over and over. I will not pay for items that I do not have and that were sent back.
Consumer complaint received 2022-10-27
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. (IL)

I sent a dispute letter to Experian recently and I have not received any results. I have never authorized nor obtained any credit with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-26
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. (AZ)

Since XX/XX/2020, Equifax has stated that my Date of Birth as they alone have, is verified. I want to know The procedure to determine this DoB? Who exactly provided this information? As after 4 certified mailing sent with all required documents, I still can not log into or use phone tree as my SS # and DoB do not match. I really am only asking, who with exact details, is disclosing this information. The only answer I get after repeated request XXXX by my consumer rights ) is how did equifax determine their accuracy? Who exactly provided this information? 
COMPLAINT ID XXXX After the above, I still only receive an answer of " no exact details. '' I want exact details.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/XXXX My ex husband and I legel separated and I moved to a different city, I Have a lease agreement showing I move to a new city, When I left he was still living in the home we purchase in XXXX, he wanted the home. I went to the XXXX  XXXX XXXX and told them I was separated form him and asked them to remove me from the loan, they told me they could not, so I asked him if he was making the payments and he said he was, We finally divorce after 2 years and he got the house in the divorce and on the day of the divorce they took the deed out of my name and put it in his and I will show you from the tax office, I went back to the bank and asked them to remove my name and they told me they could not. again, so please can you help me, get this off my credit, I walked away from this because of abusive and I want to try to buy my daughter and my self a house, I want it off my credit and I want the loan taken out of my name please
Consumer complaint received 2023-06-30
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. (TX)

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 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 2024-08-22
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. (GA)

I dispute some fraud and incorrect information regarding information being on my credit report that did belong to or was not reported correctly. Equifax is supposed provide you with the results of their investigation via Mail or XXXX  equifax.com website. 

When you log in to the Equifax website to view the completed investigation you can not review it and nor has Equifax sent me via information in the mail
Consumer complaint received 2024-09-13
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (WA)

Ive had this loan with this company seems like XXXX years there has been XXXX loans total first one was for XXXX XXXX before it was paid off covid hit the company reached out to me offering me additional XXXX XXXX i accepted times were tough with covid i was understanding i had XXXX and XXXX XXXX on loan also anythng that paid for that insurance i could get full refund at any time so i figured if times got really bad i could always cancel those protections and put towards loan i lost my job XX/XX/year> worked at job XXXX years was thinking thankgod i have insurance they tell me i dont so confused
Consumer complaint received 2023-06-30
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: Experian Information Solutions Inc. (IL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XXXX 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 2021-04-26
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: Premier Auto Credit (CA)

XXXX XXXX XXXX XXXX XXXX is reporting a collection for {$9500.00} from Premiere Auto credit for supposedly sold them unpaid balance on this account. I never signed a contract to purchase or lease any vehicle from premier auto credit ... .Allied credit services went on to further provide a copy of the " contract '' that forged my signature and LACKED a date on the contract provided a driver 's license of a person with a similar name to mine but NOT me! YET they dared to report it to my credit for years. Premier Auto credit refused to provide any documentation to me directly due to the fact that they did NOT have any contracts with me, in my name to my social or to my dr license. XXXX XXXX XXXX IS GUILTY OF FRAUD, VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT, AND F.C.R.A. ....
Consumer complaint received 2021-04-26
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. (CA)

XXXX XXXX XXXX OF CA is reporting a collection for {$9500.00} from XXXX XXXX XXXX for supposedly sold them unpaid balance on this account. I never signed a contract to purchase or lease any vehicle from XXXX XXXX XXXX ... .XXXX XXXX XXXX went on to further provide a copy of the " contract '' that forged my signature and LACKED a date on the contract provided a driver 's license of a person with a similar name to mine but NOT me! YET they dared to report it to my credit for years. XXXX XXXX XXXX refused to provide any documentation to me directly due to the fact that they did NOT have any contracts with me, in my name to my social or to my dr license. XXXX XXXX XXXX IS GUILTY OF FRAUD, VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT, AND F.C.R.A. ....
Consumer complaint received 2021-04-26
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

My complaint is to Capital One Auto Finance From XX/XX/XXXX to XX/XX/XXXX, For the last 5 + years they have been reporting incorrect payment history on a joint account. I've tried numerous times to dispute this account but they never changed anything, and as a result it has caused lenders to view me in such a way that I have been unable to obtain adequate auto financing and also had a period of time when I was homeless with 3 children and sleeping in a car.
Consumer complaint received 2021-04-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On around XX/XX/2021, Paypal decided to ban my account. After contacting the Consumer Finance Protection Bureau the first time, Paypal never gave me an exact reason as to why I was banned. 

The only reason why I thought I was banned was due to me putting in shipping information using my boyfriends address. I was trying to buy him a gift and put in his address/phone number so that he would get it at his home. 

After talking to them on the phone on XX/XX/2021 they never gave me an exact reason. I told them how I tried to buy my boyfriend a gift and put in his information so that he can get it shipped to his house. PayPal told me that doing this wouldnt and shouldnt have resulted in a ban. They also were being vague and didnt bother lifting my ban. This doesnt make any sense because they dont know why my account was banned and refused to lift it and find the issue.
Consumer complaint received 2021-04-25
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: SYNCHRONY FINANCIAL (FL)

I paid my Care Credit Card balance of {$7000.00} off on XX/XX/2021. Care Credit charged me {$240.00} twice in the same month of XXXX. I contacted my bank to report fraud and they investigated and {$240.00} was reversed. In the interim, Synchrony Bank forwarded me {$240.00} ( check # XXXX ) on XX/XX/2021 and I returned same check on XX/XX/2021 ( see attached copy of check with correspondence ). 

Following are the customer care representatives I spoke with and never received any resolution : 1. XXXX on XX/XX/2021 2. XXXX on XX/XX/2021 3. XXXX on XX/XX/2021 4. XXXX, XXXX on XX/XX/2021 Lastly, when I spoke with XXXX she told me she would stop payment on check and place a -XXXX-balance on my account. To date the account is {$270.00} incorrect ( statement attached ). Following is the breakdown : {$240.00} erroneously charged, late fee of {$29.00} and interest of {$5.00}. 
I expect my account to be adjusted to show no balance ; all charges and interest removed, the credit bureaus contacted and an apology from Care Credit and Synchrony Bank.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

The loan on a XXXX XXXX was paid off to XXXX XXXX on XX/XX/XXXX. I received a notarized lien release letter on XX/XX/XXXX. On XX/XX/XXXX I received a second notarized lien release letter with the vehicle title. As of XX/XX/XXXX the account remained open so I filed a dispute with Experian, XXXX, and XXXX to have the account marked as paid off. Their investigations all came back saying that I was 30 days delinquent. My credit scores dropped as much as XXXX points. This is unacceptable and must be corrected. I appreciate your help in that goal.
Consumer complaint received 2021-04-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/2021. I mailed a letter to Transunion, XXXX, and XXXX  and XXXX XXXX about the Bankruptcy that's reporting on my Consumer Report about the inaccurate and inconsistencies that's on my Consumer Report. I sent a Demand to Comply and that was my 2nd notice to the bureaus. Today is XX/XX/2021 so that's over 70 days. I don't understand why I haven't received any letters in reference to my Letter. This is unacceptable and against my consumer rights. Since this has been over 30 days and outside of the allowed time for a response and they never put a notice of Dispute on my Consumer Report this Bankruptcy must be removed because of 4 of the Bureaus are in Violation of my Consumer Rights. Please remove/delete this Bankruptcy from my Consumer Profile. It's time to hold these Bureaus responsible for their errors and violations to Consumer Profiles.
Consumer complaint received 2021-04-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (IL)

I have deposited approx XXXX dollars into my robinhood financial app. I am now unable to login and have submitted 15+ emails to get them to resolve this app issue. The can not be reached via phone, but only by email which they have stopped responding. I have not been able to get the SMS verification and keep getting the runaround from them. I have approx XXXX dollars invested in a crypto currency and have been losing money because I cant get into my account. I have gone thru all the steps necessary but they wont help
Consumer complaint received 2021-04-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC (KS)

In XXXX there was a system update, since then our amortization schedule has been completely messed up. It restarted our amortization schedule to the beginning ( essentially restarting the term of our loan and charging us 1000 's of dollars extra in interest and applying less than they should to our principal ). Every month my partner has had to call and have a manager manually override it and every month they tell us it has been fixed for future payments, yet every month he has to spend hours on the phone trying to get ahold of someone who can fix it. So far, my partner has been unable to get this issue fixed for the month of XXXX. Many times their phones are down or we get stuck in an endless phone tree that leads us nowhere. We are on top of our finances, but it scares me because there may be other people out there that this has happened to and they're unaware of the issue.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

The loan on a XXXX XXXX was paid off to XXXX XXXX on XX/XX/XXXX. I received a notarized lien release letter on XX/XX/XXXX. On XX/XX/XXXX I received a second notarized lien release letter with the vehicle title. As of XX/XX/XXXX the account remained open so I filed a dispute with XXXX, Equifax, and XXXX to have the account marked as paid off. Their investigations all came back saying that I was 30 days delinquent. My credit scores dropped as much as XXXX points. This is unacceptable and must be corrected. I appreciate your help in that goal.