davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and delete my records. Please delete the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to delete the accounts listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4700.00}, XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2023-02-23
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)

Information reported is inaccurate for creditor XXXX XXXX account ending XXXX and this is against the fair credit reporting act. I have requested several reinvestigations and sent previous documents of proof and now I am including a credit report from XXXX  showing no late payments. If this creditor can not be verified as accurate, by law this account is to be removed immediately. Thanks.
Consumer complaint received 2019-11-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Cottonwood Financial Ltd. (UT)

I got a loan from The Cash Store In XXXX, Utah. 
I explained to them when I got in there that I needed a loan, easy to pay, no gimmicks, no games. 
They assured me that their pay off process was simple, it was not only so confusing, deceiving but also they make it impossible to pay off your loan. This institutions shouldnt be allowed to operate. 

I borrowed {$1000.00}. After several payments which totaled over {$400.00} In a short period of time I still owe the ssme amount. 
They dont have a Office toncall, when you call is redirects you to the same location or the nearest one. When trying to pay early they refinance you and get you into further debt.

When trying to make payment over the phone, they dont allow it.

When you ask them for an app or a website to pay, they dont have one. 
Their schedule is short XXXX to XXXX Monday to Friday so a lot of people can not make it in person to make their payments.

Saturdays they only open XXXX to XXXX XXXX  very short to avoid people from paying, Sundays is closed.

They only allowed auto payment on the interest but not on the balance IT IS SO FRAUDULENT. I want federal and state agencies to investigate this company. 
I bet you there are so many people owning forever and just paying interest with this company payoff practices and process. 
It is setup in way that you dont pay the loan off. I am seriously concern, upset and worry not only for me but a lot more people that for sure have the same problem or worse.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Home Point Financial Corporation (NJ)

Please refer to complaint XXXX XXXX " closed ' and the feedback provided. 

This remains open to me. Neither the bank nor XXXX will provide me with any proof of having wind insurance at mortgage origination. 

Now Homepoint ( my first loan servicer ) is sending me harrassing letters, saying I have a current loan with them requiring wind insurance. I learned that Homepoint is owned by XXXX. And both think they are servicing my mortgage ( however XXXX is the servicer ). 

I do not understand how this complaint is closed and welcome a phone call to better explain this situation. email XXXX or cell XXXX
Consumer complaint received 2023-02-17
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. (CA)

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 15 U.S.C 1681 602 A. states I have the right to privacy.

15 U.S.C 1681 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-12-05
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. (TX)

On XXXX 2012 I received a 90 days in XX/2012 for {$99.00} for my student loans even though I was still in school and have n't yet graduated.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Hello, I noticed that there are several fraudulent accounts that are inaccurately reporting on my credit reports. I have reached out to the credit agencies to inform them that I was a victim of identity theft and that these accounts do not belong to me. I included in the letters attached all of the inquiries and accounts that are fraudulent.
Consumer complaint received 2022-12-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aqua Finance, Inc. (FL)

Buy a water filter for {$4500.00} with monthly payments of {$47.00} every month for 7 years. The first four payments were made with the debit bank card information without problems. In XXXX I went to pay with the card and they didn't accept it because it had to be with the checking account and at that time I didn't have it and they blocked my call. I called them several times to make the payment and they did not answer me. Now in bad faith they preported me four late payments to the credit bureau companies.
Consumer complaint received 2021-12-24
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: Experian Information Solutions Inc. (FL)

I got my credit report and I dont understand why I still see these accounts on my name. I already explain to you that is not mine, none of them. Please delete it! Im sure that someone used my personal information
Consumer complaint received 2019-11-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (CT)

I paid a settlement amount to Sequim debt collector back on XX/XX/19. After that date for a week I was still receiving phone calls. The original debt came from XXXX XXXX XXXX. Then I see it was on my credit report written off as bad debt for the full amount but my balance keeps increasing. These people took my money never reported it as paid. I feel they are scammers. it says I owe almost XXXX dollars but yet comments say written off as bad debt. This is not true the debt has been paid. And I want all 3 credit reports to reflect as paid else I will be looking for a lawyer to see what my rights are. You just don't take someones money and not report things correctly.
Consumer complaint received 2023-02-23
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open end credit plan, was falsely mislead by CAPITAL ONE BANK d/b/a CAPITAL ONE. On XX/XX/2021, I filled out an application for a Platinum Secured Card from CAPITAL ONE. Once I filled out this application, it was approved and the application then became an instrument of value and was sold. Due to this fact, I should be able to have a zeroed out balance at the end of every billing cycle and should have an open-end credit plan pursuant to 15 USC 1602 . I was informed by CAPITAL ONE that I would need to make a security deposit in order to receive the card ( as advertised on their website ), so I made a deposit in the amount of {$200.00} on XX/XX/2021. I apologize about being ignorant of the law, but that is no longer the case. It is unlawful for CAPITAL ONE to have taken the {$200.00} in order to give me a credit card ; taking cash within a consumer credit transaction is illegal ( 15 USC 1605 ). Once I put in my application and it was approved, I extended my credit to CAPITAL ONE and should have received an open-end credit plan without having to make a security deposit.
Consumer complaint received 2019-11-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (NJ)

i been paying all my car payments on time and the app they have been messing up but still showed up as paid on my end. i call and told them the payment on XXXX went through but said i had to file a complaint. im stressing that I immediately want the payment information corrected and want it to show XXXX payments for all months and to contact me if anything show up late so i can clear it up. This drastically hurting my credit and want it to be correct ASAP.!!!!!
Consumer complaint received 2019-11-27
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. (CA)

I tried to refinance my car today XX/XX/19 and I was unable to do so because of an account reflecting badly on my credit report. This account does not belong to me ; I never opened it and I have never had an account with that company. I did not allow anyone to open this account in my name with my personal information and I have filed a police report regarding this suspicious activity on my credit. I did not benefit anything from this account being open in my name such as money, goods, services or any other benefit ; I did not make any purchases, transactions or payments towards this account.
Consumer complaint received 2022-08-31
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance : {$880.00}, XXXX XXXX Balance : {$3000.00}, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$610.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$500.00}.
Consumer complaint received 2021-12-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

My attempted description in the " generous '' ( being sarcastic ) 120 character field of Experian 's Dispute form - This is for XXXX XXXX. XXXX XXXX Loan XXXX 2019 " Only XXXX XXXX XXXXDisputes XXXX & THAT persn has maintained a personal ( illegal ) vendetta re : this acct. 's MISREPORTING, MISSING PAYMENTS, etc. Other acct. w/out this persn 's attn. are PERFECT. Thanks '' Despite asking for correction i have been told by the same person that their " Ledger is correct '' and it is not. I was homeless during a large period of this loan and do not have most of my papers like this and/or physical evidence anymore. SO i am at the ( lack of ) mercy of this individual who has taken on some kind of personal issue with me. She even LIED and suggested i needed to pay off a XXXX dollars ( " debt '' for overdraft fees that i was already arguing abt with them ) to apply for another product and to further dispute the other loan ledger - and that i could " dispute the overdrafts later and get them refunded ''. This was simply a fabrication for collection. Often referred to in legal terms as " fraud in the inducements ''.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2021-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (GA)

We have been a victim of Bait And Switch! We relied on the information shared and promised to us when considering this Sam 's Club Member Master Card. We were provided WRONG and MISLEADING information from the bank rep and representatives that were there on site for their " holiday contest '' for credit card submissions. 

We have tried to contact the store and the person ( XXXX ) who coaxed us into this but no one has returned our calls. 

We feel like we were completely misled and flat out " duped ''. 

We were promised an immediate {$100.00} bill credit upon approval of the card. In fact, there stated it would be placed on the account before the first statement once the card was approved. In fact, they were encouraging us and other customers to go spend more since the credit was automatic. 

This was clearly WRONG information as our first statement came and the credit was not there. We trusted and relied on the information that was shared with us. 

We have tried to work with Sam 's Club as well as Synchrony. Sam 's Club has yet to return a call and Synchrony just confirmed the information was not correct and apologized. They did not take any consideration for the " bait and switch '' techniques that were being utilized to get applicants. 

At this point in time, we are asking for assistance to address this inappropriate measure to lure applicants, their failure to provide any documentation and/or disclosures in writing as well as the promise of what we were told. 

We are asking for the {$10000.00} immediate statement credit as promised. Again, we were told to spend " more than {$100.00} that day and we would see an immediate statement credit of {$100.00}. 

Also, seeking assistance to further investigate these inappropriate practices as I am sure other customers have experienced the same thing. 

Contests and incentives should not be used to build credit card accounts especially when misleading and inaccurate information is being given to the consumers.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (HI)

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 2021-12-24
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: Experian Information Solutions Inc. (IL)

Im really not understanding why you all are giving me XXXX on earth and disregarding every mail, every complaint I send to you all this has been going on since XXXX of 2021 and you all are still holding these accounts on my report for no reason and without any legit proof.First, I will like to say stop sending me mail saying verified as accurate with no factual proof thats it is accurate.You sending me billing statements is not considered proof on why it must stay on my report because as I said in the previous 100 complaints those are alleged debts and even those billing statements are false and misleading .I am also aware that with you all actually dealing with my information you all should not be reporting ANYTHING without my written consent and being that this is going on a good 8 months strong you all have yet to send me a written contract with my consent. 

Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

The only reporting agency that removed all these accounts were XXXX because they know they are in violation so if one of them has followed protocol YOU ALL NEED TOO AS WELL!
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I owed a balance for XXXX XXXX XXXX XXXX XXXX XXXX and paid {$120.00} in XXXX of XXXX. As of XX/XX/XXXX, the account still has a balance owed. I have tried to call and email XXXX. They will initially respond but once I tell them why I need help I get no response.
Consumer complaint received 2023-01-20
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-07
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. (NC)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : CHILD SUPPORT XXXX XXXX XXXXXXXX Balance : {$0.00} ; U S DEPT OF EDXXXXXXXX XXXX Balance : {$33000.00} ; U S DEPT OF ED/XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2021-12-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Earm LLC (VA)

The guy that keeps calling repeatedly & leaving threatening messages on my voicemail, he says his name is XXXX XXXX. He said he was from MAC about a debt & that legal action would be taken against me. It will be put down as a refusal to pay & being evasive. I don't have any debt & I don't know who he is. He constantly calls from different numbers & leaves different call back numbers as well. Some of the call back numbers left on my voicemail are XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX. He also called from XXXX ( XXXX ) XXXX