davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I sent Experian a dispute letter about all the inaccurate addresses they are reporting on me. They did not delete the inaccurate addresses from my account. 

The following addresses are inaccurate and I want them removed from my account because I do not want to be at risk for identity theft : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (VA)

For 6 months I have been being billed {$0.00} followed by a ghost charge - I was denied during the {$100.00} signup promotion & company never provided a response by physical mail or reason as to why I was denied I believe this company may be age discriminating
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

I was just looking over my credit report and found some addresses that appear to be incorrect. I have already requested this information to be deleted and I've submitted documents showing my current address on XX/XX/23. I still see incorrect addresses listed ( which I would like removed please ) : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX There should only be one address listed on my report, which is : XXXX XXXX XXXX # XXXX XXXX XXXX, IN XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. Please refer to the recently submitted documentation for the correct spelling of my name as well. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : Incorrect Names : XXXX XXXX There should only be one name listed on my report, which is : XXXX XXXX XXXX ( Not in all capital letters, I am not a corporation, I am a living human ) Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report
Consumer complaint received 2017-05-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION (MD)

I prepared a letter to  XXXX   XXXX   XXXX  dated  XXXX   XXXX ,  2017 to complain  about the horrible treatment regarding a mortgage refinance. As of today I have not received a letter regarding my concern. Out refinance loan  was denied. However, we did not receive a letter indicating the reason for their decision. I am very disappointed in M & T Bank because they have not responded to my concern in my letter. We have a mortgage with M & T and we completed an application for a lower interest rate, thus a lower monthly payment. I am sadden by their treatment to me and my husband. I requested a letter from their mortgage section a letter of denial. As of today 's date we have not heard anymore from M & T B ank.
Consumer complaint received 2020-09-28
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. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX/XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX   Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9.  Company Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2020-06-11
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo Reresentative XXXX XXXX contacted me about charged off Wells Fargo credit card. Never verified account. Continued on with collection practice & options. Representative then released all account information, home address, amount of debt, my cell phone number, my business #.
Consumer complaint received 2020-09-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PlusFour, Inc (OH)

Plus Four Inc Collections replied it sounds like a insurance issue as a smart remark. I have proof the insurance company just recently paid me to pay my medical bills. I never received any notice of the issue and plus four Inc Collections just hangs up on me when asking for a letter to me paying them that will remove the debt as paid and remove from my credit report all 3 credit bureaus negative impact. Also there should not had happen as to the insurance company was at fault not paying after i was the one in the XXXX car and in the car accident.
Consumer complaint received 2020-09-28
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (LA)

regions bank XXXX XXXX XXXX XXXX XXXX took XXXX from my account i had a checking and savings i deposit XXXX i did a cashier for XXXX and another for XXXX gave it to XXXX XXXX XXXX to purchased me and my XXXX kids a home to call ours they cash my cashier check without giving me keys for the trailer my lawyer XXXX XXXX XXXX XXXX has copies of contract where the contract for trailer said paid and full XXXX XXXX XXXX XXXX, XXXX XXXX XXXX took my funds tried giving me a trailer i never pick i waited three months for a trailer i never chose they known for taking some customers money and keeping the trailer for them after this happen alot of fraud been going with my accounts checking and savings i should still get the trailer they played me with willing to give XXXX back alot but they cash out XXXX from me and tried giving me 8 sets of keys for a trailer that suppose to be ordered and me and my XXXX kids waited three months until they tried giving me and my family an awlful trailer that i never chosen and also they been having lots of fraudelent on my account i was unaware of i got into accident XX/XX/XXXX XXXX XXXX had XXXX XX/XX/XXXX had XXXX again XX/XX/XXXX on my XXXX  the XXXX  were out i deserve to have money into my account XXXX for my kids for when they would get into college i really been getting messed over im missing my XXXX out of XXXX   XXXX  XXXX XXXX XXXX me and my kids still not in a home i need my funds back can yall please help plus i waited three years for my settlement i got XXXX on highway in XXXX XXXX XX/XX/XXXX we deserve our funds im going to be XXXX XX/XX/XXXX life wasnt easy i couldnt work i had XXXX  XXXX XXXX XXXX i really need it back thanks my name is XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

This involves a matter with USAA Federal Savings Bank. My father left financial accounts for me that were substantial, after he died. I only recently found out that an employee at USAA gave away these financial accounts to other people, when they were supposed to deliver them to me. I reported it to USAA and the employee confessed. I asked them to return the funds to me, but I have not received them to date.
Consumer complaint received 2020-09-28
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint Against : Business Name : Capital One Financial Corporation Address : XXXX, VA XXXX Phone : ( XXXX ) XXXX I started a dispute through my credit card company, Capitol One. I was disputing a charge from XXXX XXXX  XXXX because our trip was cancelled by the airlines when World Governments declared COVID19 a Global Pandemic. Initially we were told by XXXX XXXX  customer service representative on XX/XX/XXXX that we could cancel our tickets and receive a refund due to COVID19, or that we could keep our tickets open and use them to go on our trip at a later date  BUT that even then, the tickets would expire on XX/XX/XXXX. At that time, we decided to wait to cancel the tickets until I was able to talk to my tour group and find out when the trip may be rescheduled. After that, everything shut down completely and I was unable to get any answers about when or if our trip would be  rescheduled so I called XXXX XXXX  XXXX again to cancel the tickets and request the refund I was promised if I chose to cancel. I have been unable to reach any representatives at XXXX XXXX  since. I will not be going any time before XX/XX/XXXX. I have tried requesting the promised refund online but was unable to complete going through the prompts to complete the contact request because my flight number no longer exists so you can't get through the system to contact anyone. I tried again XX/XX/XXXX and you can not contact anyone at XXXX XXXX  XXXX by phone or internet. I need help in getting my refund and my credit card company refuses to help me.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Reporting negative Information on my report. 
Says I have an open account this is false. 
Is accessing my personal information without consent. 
Negative information Reporting to extort payments. 
Never done business with company. 
Never gave consent for company to use my personal information. 
Never gave consent for company to report negative information. 
In collusion with alleged original creditor to extort payments.
Consumer complaint received 2020-09-28
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: EQUIFAX, INC. (RI)

I tried to pull all of credit reports on XXXX and I was not able to pull my XXXX  report or my equifax report. 
XXXX  didn't even ask me security questions, i received this message : A condition exists that prevents XXXX  from being able to accept your request at this time. 

Equifax did the same and i received this message : Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 

I haven't had any issues with my identity so im confused as to why it stopped me.
Consumer complaint received 2020-09-28
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. (RI)

I tried to pull all of credit reports on XXXX and I was not able to pull my experian report or my XXXX  report. 
Experian didn't even ask me security questions, i received this message : A condition exists that prevents Experian from being able to accept your request at this time. 

XXXX  did the same and i received this message : Online Delivery Unavailable We are not able to deliver your free XXXX  Annual Credit Report online. 

I haven't had any issues with my identity so im confused as to why it stopped me.
Consumer complaint received 2023-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I was sent an escrow refund check for XXXX USD in XXXX, apparently. It was sent to my old home address where I was living through XX/XX/XXXX. 

It didnt arrive. 

On XX/XX/XXXX I called and they resent it, this time to my new address. 

On XX/XX/XXXX it still hadnt arrived. I called back and was told it would be overnighted to me by courier. 

It wasnt. 

On XX/XX/XXXX I called and asked where the check was. I was told to wait another day. 

On XX/XX/XXXX I called and was told well they disconnected me mid conversation. 

I dont have the time to keep calling them. They owe me {$2500.00}. Please help
Consumer complaint received 2023-03-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Dividend Finance Inc. (VA)

I inquired about putting Solar panels on my home. They did not work for the first couple of months, the panels finally worked-because my electric bill came down to what was promised when I accepted the loan. Other things did not work, such as losing power in certain places in my home. Then the company went bankruptXXXX XXXX. I am stuck paying a loan of {$60000.00} for a product that does nothing. I have filed a complaint with the bankruptcy court in NC where XXXX XXXX case is. I do not want to mess up my credit but I do not want to continue to pay for something that does not work. Dividend financial will continue to take pays out of my bank account. They can only apologize for what XXXX XXXX has done.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX - XXXX 15 U.S.C, 1681section 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 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, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: CARD Corporation (FL)

I had recently had a direct deposit to my account, They immediately held the funds It was my unemployment benefits. 
I have faxed And emailed all documents they have asked for, and they have yet to release the funds. 
They are giving me the run around. 
This has been going on for 2 weeks. 
Every time, I send the papers, and call them, they tell me to send another document. Just keep adding on, I have sent them the most personal and confidential and financial documents.ID, social, W2, check stub, explanation of funds, phone bill
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XXXX auto pay was turned off for my capital one card and additional payments were made. I turned the auto-pay back on but it was not processed as expected due to what appears to be an error on capital ones end. They deny this technical issue and have accessed my account late fees and reported to credit reporting agencies due to this. I called and attempted to rectify the problem. They also denied me the issue to record the conversation which I am legally able to do as New York state is a one-party consent state and I consented.
Consumer complaint received 2020-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Merchants Credit Corporation (WA)

Made contact on XX/XX/XXXX by Phone ( XXXX ) XXXXLocal and ( XXXX ) XXXXFax. Also by email XXXX to Merchants Credit Association XXXX XXXX XXXX XXXX XXXX, WA USA XXXX with a copy of Dismissal without prejudice signed by a judge XX/XX/XXXX. The first representative stated it should be taken of asap, call back at XXXX. Return call, 2nd make representative stated he can't di anything he will leave a message for the case manager who I spoke to earlier. But he did confirm the receipts of the judge signed dismissal without prejudice. Make contact the next morning, when a female representative stated sharply that I still owe, so she will not remove it, and finally stated I had to call XXXX Write at XXXX the original owner, and very rudely concluded I can't help you.
Consumer complaint received 2023-01-04
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2020-09-28
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: Delivery Financial Services, LLC (AZ)

I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed ( exhausted ). I haven't received any investigation results.
Consumer complaint received 2020-09-28
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: Thunderbird Collection Specialists, Inc. (AZ)

I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed ( exhausted ). I haven't received any investigation results.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX or XXXX XXXX XXXX Account # 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 an account without my written instructions. 

I have attached XXXX XXXX credit profile showing inaccuracies and inconsistencies reported to all 3 credit bureaus including XXXX, Experian and XXXX. Also XXXX XXXX and the 3 credit reporting agencies failed to provide verification that I owe this debt. I have also attached a letter that I sent XX/XX/2020 of my request. I have reached out to this company several times by letters and phone calls. Per phone calls representatives instructed me to request a dispute and that is what I did.
Consumer complaint received 2020-09-28
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: ENCORE CAPITAL GROUP INC. (AZ)

I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed ( exhausted ). I haven't received any investigation results.
Consumer complaint received 2023-02-09
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. (VA)

To Whom It May Concern : I recently received a copy of my ( Equifax and XXXX ) credit report, and I noticed that you are still reporting a medical collection under the {$500.00} threshold. Starting in XXXX, XXXX XXXX tradelines less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX