davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MS)

I am trying to secure a loan for a house for XXXX. I have already been approved for {$63000.00} for a mobile home. Why is it so difficult to get a loan with a bank for almost half the amount? ( Issue # 1 ) I was told that I had an outstanding amount owing of around {$3000.00}. I was contacted by the consumer to settle the amount for {$490.00}. The consumer tole me that the amount would post to my account and consider it paid in full. ( Issue # 2 ) If they can take your money, why cant they press a few buttons and show that account paid in full right away? Why do we allow them 30 days to report it paid in full? ( Issue # 3 ) I paid that amount. I gave that company my corrected address. Why then did they send the letter to my old address and finally I got the letter with the yellow forwarding address? ( Issue # 3 ) Why is it that there is so much room for error between the 3 credit bureaus? ( Issue # 4 ) Why does each lending organization/bank have so much latitude to make adjustments to my credit score reported by the credit bureau and then make their independent discriminatory decision about lending me money? ( Issue # 4 ). 
I need my credit score from all three agencies to reflect the payment I just made on XX/XX/2020. I need to know what my credit score is right away. I tried to go to XXXX to request my score for XXXX as I was told to do by a XXXX   representative today XX/XX/2020 and there was no such prompt to go to to get a " CREDIT SCORE " for XXXX cents or other wise. Why is this so difficult. Why is my credit score not FREE? 
I spoke to an Equifax employee on XX/XX/2020 and asked her to correct my name and addresses and she instead added a NEW incorrect name to my report. This is negligence and needs to be addressed. Why do I need to now send in a identity verification to fix this and it will only be fixed with one credit bureau and not all three????? The Credit Bureau processes need to be streamlined so that they are easier/more user friendly and improved so that they help rather than hurt and confuse the end users. Please respond to my email address XXXX asap. I need to know what my credit score is right away. I was willing to pay the XXXX cents but could not even get access to that website. Does it even exist? Is it just something that the credit bureaus are told to tell us to get us off the phone?
Consumer complaint received 2024-04-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (UT)

I have 5 prepaid cards XXXX $ Amex, I got them in 2022, I used cards several limes to make a purchases. Then, suddenly all place where I tried to buy something using these cards started to refuse them. Sellers used to said me that I need to connect with issuer. I tried to called support multiply times, but there is the bot and nobody can help me I can't get my money. The total amount that left on my cards is XXXX $ it's big money for me, I have kids and I need them.
Consumer complaint received 2024-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (SC)

On my credit report there is an account in the amount of {$2400.00} from a school I attended. I did not recognize the balance on my credit report, because I know that I received student loans and grants for my tuition and school costs. I did not have to pay anything out of pocket. I proceeded to request from the collection agency a copy of proof of the debt with my signature to show my responsibility for the debt. Initially this debt was disputed XXXX, again in XXXX, and again in XXXX, due to receiving dispute results from the collection agency stating that the debt the company has verified that the balance is correct, and the account is being reported correct. I am sorry, but that is not what I asked of them, and it definitely is not providing me with the proof of the debt. I finally decided to dispute the debt directly with the collection agency by mail, and they sent me a letter on their letterhead showing the school 's name, account number, and the account balance. Again, this is not the proof I requested because I did not enter in any agreements with this agency, and I have no knowledge or dealings with them. I did not owe this school anything, and I feel that this is negatively impacting my credit score, and I am trying to resolve the matter in a timely manner.
Consumer complaint received 2020-08-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-09
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: General Motors Financial Company, Inc. (PA)

his started when GM Financial sent my account to a collection Agency called XXXX XXXX XXXX.  I will start by telling you the situation. I was in a career ending accident with this very car ( XXXX XXXX ). From that point on I had to apply for XXXX in PA. Unfortunately it takes 2 years before you get a hearing in front of an administrative judge. So I was unable to pay my payments. Now the original loan was taken out in XXXX of XXXX. The problem started when XXXX XXXX  got involved. We were talking about making a settlement on the account that's when the games started. I explained my situation and told them that I was Permanently and Totally XXXX. I said I would be willing to give you my total monthly income of {$1100.00} to settle this debt, because I only make {$1100.00} a month from XXXX. The total bill was {$9700.00} when I defaulted back in XXXX. The woman said that she would send in the request to GM financial, with the reason why to see if they would accept, because of my condition. She told me it would take about 2 weeks to get an answer, and that she would get back to me. So two days pass and I get another call, This is XXXX XXXX  etc. I am calling about a debt that you owe. I said I have already discussed this with one of you reps and put an offer in, she said she sent it off to GM Financial for review and to see if they would accept the offer and she would get back to me in two weeks. He said sorry it never happened. Then he says if you give my {$6000.00} I will send the offer in. I said I don't have that kind of money, I am XXXX and only make {$1100.00} a month, but I can do what I offered the woman. He said he won't do it. Then we hung up. These calls have gone on for 3 months now. They went as low as {$1100.00} and as high as {$6000.00} and everyday it's a new figure. One day it was {$2000.00} last week. It is just game after game. I told them the only offer and money I have is {$1100.00} and I will give it to you in good faith to show you I am not running from My obligations and good Faith. But again, it just depends on who calls me for that day. One day they say they will send in the offer and it never gets done
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (PA)

There are a bunch of in active accounts on my credit report from this year and last year. i have filed numerous reports with the FTC in regard to this matter. i am also getting harassed by numerous debt collector in regard to these debts. I do not know any of the technical terms for the debts that are trying to be collected. i ask that the following accounts be removed from my credit reports XXXX Hard Inquires AMEX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

I would like to submit a dispute for a file I know is on my report but I can't see because I was not given an up tong everything date report. I want to dispute USAA. When this claim originally began, I was in a back and forth argument with the security lady who was refusing to believe my claim. There was one transaction which was an ATM withdrawal. I requested they pull the tape to see who was using the card, me or the thief? They refused. All these years later, I'm still fighting the effects of the theft. A huge injustice was done that day. I am tired of this haunting me when I did nothing wrong. If USAA was so sure they were right, why did they not request to view the footage from the ATM? They outright refused! It is time to remove this account that is reporting INACCURATE and UNVERIFIABLE information in my file. Because USAA did not pull the tape, they can not ACCURATELY report account abuse and they definitely cannotVERIFYtheir claim. The fact that they have been reporting UNVERIFIABLE information so INACCURATELY for all these years makes it UNTIMELY as well. Here is the law : Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

I am attaching everything I have on XXXX XXXX who has been stealing my identity as far back as 2016 when he opened a checking, savings, and credit card account in my name with XXXX XXXX. Between the illegal reporting and the evidence I actually bring to the table, I request that all accounts reported by USAA on my XXXX XXXX file be removed as USAA has shown it will deal maliciously when allowed. They had the ability to do like me and bring evidence but they choose not to. And because of the willful and malicious behavior of USAA, I have suffered physical distress created by the mental anguish. It is time to end the illegal and bullying tactics USAA employs.
Consumer complaint received 2020-08-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

Not sure what you are thinking! Never been to XXXX, Texas. According to XXXX XXXX, some XXXX XXXX woman applied for a pay day loan in my name. I filed a police report and provided it to this National Credit Adjusters, joke of a company. NOT MY DEBT!
Consumer complaint received 2020-08-09
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. (FL)

I am writing this to get a fraudulent account deleted from my credit history that I did not consent to. I am not sure how or when it was used but I was like this to be resolved as soon as possible.
Consumer complaint received 2022-10-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (CO)

I filed the claim and they said just won't get my money back despite calling before depositing the check to see if it was fraud. The filed the claim on the XXXX. I was assured the check wouldn't be deposited if it was fraud just for them to take it back later. I know this isn't super detailed but I have all of the proof and would be more than happy to send it over.
Consumer complaint received 2020-08-09
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. (FL)

I am upset to see that my credit has been compromised and I am sick of it because I applied for a loan and was denied due to my credit score being so low! I don't know how or get why my identity was used for fraud. I need this to be resolved so that I can buildup my credit.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (FL)

I have a checking account with Wells Fargo from which I make payments to all of my credit cards. When I have made the recent payment from my account that has a balance of XXXX, the payment for {$140.00} ( XX/XX/20 ) was returned and as a result, I was charged an additional fee of {$29.00} + {$140.00}. When I called Wells Fargo they transferred me 2 times, each time I had to wait 45 minutes. No real solution was found. I have requested for the card to be closed and money to be refunded to me, the representative refused.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-08-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CA)

Hello, my name is XXXX XXXX, I am submitting a complaint with ERC Account # : XXXX ref # XXXX ( XXXX XXXX is Original creditor reporting on my credit report ). I called them to discuss a collection on my credit report and I had agreed over the phone to settle the account with the condition of them to REMOVE it from my credit report. Recently, I received a letter ( I have included ) and when I checked my credit report and score it still shows on my credit report. It not only shows on my credit report, but my credit SCORE has dropped almost XXXX points as a result of PAYING this account. I am very upset of this tactic of collection and them saying over one thing over the phone and doing something different once they received my payment. I believe this is unethical collections practices. This has caused extensive damage to my credit profile, I was qualifying to buy a home ( which is the reason I chose to pay this alleged debt ) and now this has greatly impacted my ability to do so, by drastically affecting my credit score. My score dropped from XXXX to XXXX. This is unacceptable.
Consumer complaint received 2020-06-17
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I recently asked Trans Union how they went about verifying a bankruptcy and they sent a generic process where they say that they sometimes contact government agencies. I also sent a letter to the bankruptcy court in the XXXX XXXX of Florida and asked how they report files to the credit bureaus. The court Supervisor sent back a letter saying that they do not verify accounts and that they do not provide any information to the credit bureaus. I then asked Trans Union to verify the XXXX accounts as I had already talked to XXXX, XXXX at XXXX who told me they had not provided any information to the credit bureaus since XXXX. 

I have attach a letter from Trans Union where they say that they verified the XXXX accounts and that they have added information to the accounts. The information is still wrong and they are still reporting XXXX as negative accounts. In XXXX, 11 years ago I filed a Chapter XXXX bankruptcy. You do not see that on my credit report because it has been 10 years and it has fallen off. At that time 1o years ago, I did not have an account with XXXX as I had refinanced those student loans with XXXX in XXXX. So I have not had an account with XXXX for 13 years. Trans Union says that XXXX was included in a Chapter XXXX bankruptcy. In XXXX I filed a Chapter XXXX bankruptcy, once again 8 years after I refinance the XXXX loans with XXXX  so XXXX was never included in any bankruptcy. Those accounts were in good standing when I refinanced them and have never been negative accounts. As you can see, from the court docket, the Chapter XXXX was dismissed in XXXX and no where in Trans Unions report is that noted, which they would have known if they had truly verified the Bankruptcy. I was able to print mine off XXXX, which I assume where Trans Union got their information, since I have a letter in which the Bankruptcy Court says they do not report to the credit bureaus. They have done the same thing to the Consumer Financial account, it was not included in a Chapter XXXX Bankruptcy, as it was not even opened in XXXX and I did not live in XXXX at that time. This makes me wonder how long they have reported this false information when I have applied for loans and been turned down. None of the 5 accounts on the page I am sending were in a Chapter XXXX Bankruptcy except XXXX, but it was not discharged it was simple in a stay status until the Chapter XXXX was completed. As a matter of fact I am still paying on that account now. In each case Trans Union is saying they will keep these negative accounts on my file until XXXX. 

I am in the process of trying to buy the building which my wife and I have a business in, these people have been responsible for a denial from the credit grantors. Please expedite this challenge as I have 4 months in which to get the financing I mentioned.
Consumer complaint received 2020-08-09
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: Paypal Holdings, Inc (CA)

On XX/XX/2020, I made a purchase through PayPal using my MasterCard Debit card. Upon checking the status of my order on XX/XX/2020 I discovered that the website used to make the purchase was used fraudulently and my order did not exist. I immediately reported it to PayPal and requested a refund of my purchase price on XX/XX/2020 and disputed the transaction as fraud. My dispute was denied and my account charged. The seller is not able to be reached and also does not exist, there was no proof of delivery and no tracking number issued. PayPal can not be reached by phone and I have continued to attempt to file disputes reporting the fraud. 
Transaction date : XX/XX/2020 Transaction ID : XXXX Order : XXXX Purchase amount : {$89.00} Purchase details : XXXX XXXX Seller info : XXXX Thank you.
Consumer complaint received 2020-08-09
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)

After applying for a credit card and being denied I decided to review my credit and was devastated to learn that my identity has been compromised and used for things that I have no knowledge of. I am angry to have learned this and would like this resolved as soon as possible.
Consumer complaint received 2022-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2020-08-09
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)

After applying for a credit card and being denied I decided to review my credit and was devastated to learn that my identity has been compromised and used for things that I have no knowledge of. I am angry to have learned this and would like this resolved as soon as possible.