davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
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. (IL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2020-03-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (VA)

In XXXX of XXXX, I purchased a dog from XXXX in XXXX XXXX - XXXX XXXXXXXX. They told me financing offers and when they told me about Mariners Finance and the fees, I accepted. In XX/XX/XXXX, I was laid off from my job due to company cutbacks. I explained my financial situation to Mariners as I may not be able to pay on time, but the representatives only cared about getting their money, even if it meant being behind on my rent or medical expenses as I have a medical condition with costly medicine that I must take daily to sustain my health. That's when I received a call in XXXX to get a new loan with additional fees and I would have the original one wiped out. I was desperate and the representative seemed nicer than the ones that would call. I got to the branch across from XXXX XXXX and filled out the new application, even as I explained to the rep that I was just starting a new job and may not be able to take on this additional payment. I was assured that everything will be fine. That's when I began getting threatening calls to not only my cell phone, but my job, references and threatening voicemails from the branch supervisor. She would tell me that they will take me to court and that it's pretty much my fault for singing the loan. I was never directly told about the interest and principal because had I been told about the high rates, I would've never agreed to it. Because I was still getting back on my feet, I was given a date to make a payment by or they will garnish me. I again explained that I will try to work out something at a smaller payment amount, but with rent, car note, insurance and medical, it was impossible to bear anything else. Not soon after, my pay from work was garnished at {$1000.00} with a principal amount of {$28.00} and interest at {$1000.00} as shown in the attachment. After going to meet with their attorney before court, I was given a payment plan of {$110.00}, which I have been keeping up with best I can since XX/XX/XXXX. However, I again was never told about paying their court fees and additional fees that have doubled that I owe back and adding more financial stress. When I asked for a ledger of break down in XX/XX/XXXX because I felt like I was paying on a never ending loan, they never mailed it although it was in a noted call. I checked my account today ( 3/3 ) online out of curiosity because I was told I could not check it online since my account is in special situation due to the debt collection, I saw that my balance after my XX/XX/XXXX payment shows one thing and the payoff shows another, as I have attached that screenshot as well. Mariners Finance has no compassion for their customers in times of financial distress and will take them to court to gain more money instead of being transparent on all fees to expect no matter what.
Consumer complaint received 2020-03-04
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: ERC (FL)

THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! 
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score.  The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2020-03-03
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. (CO)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the USDOEXXXX partial account number XXXX. ( Please see attached credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted XXXX ; Experian and XXXX  and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AZ)

I have been in communication with LexisNexis for nearly 2 months trying to obtain a full report so I can rectify discrepancy on a background check that has prevented me from obtaining employment over the past 6 months. 

To date, the continually say they are unable to verify my information because the documents I send contain insufficient information. 

I have sent them all of the required documentation listed each time. I have done this several times, and just one day ago I received the exact same notice of insufficient information.
Consumer complaint received 2020-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (PA)

I originally had my mortgage with XXXX XXXX. XXXX sold my mortgage to Amerinat in XXXX 2019. I contacted Amerinat in XXXX to find out why I wasn't able to pay more mortagage. I was told that there was no account information available to me in their system and that I would receive payment information in the mail once it was set up.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (MN)

I opened an account with Huntington Bank on XXXX/XXXX/2021, using a link that advertised a {$150.00} bonus with new money deposits of {$1000.00} and having the account open for at least 90 days ( both requirements have been met, 90 days should have been reached on XX/XX/XXXX and I made a deposit of {$1000.00} on XXXX/XXXX/2021. The money has been in the account since ). 

I made very sure to click the link that is shown in the attachment indicating that it would apply the bonus code. On XX/XX/XXXX I contacted Huntington Bank twice through their online chat feature and once through a XXXX direct message and was told all three times that a promo was not attached, given the link I clicked and the description below the link I do not see how that could be the case beyond an issue with their system. I was eventually told by the representative I spoke to on XXXX that they would contact their promotion department and get back to me but that has not happened. 

In effect I feel like this was a bait and switch where I was advertised a bonus, gave them my money for 3 months under the assumption that bonus would be honored and then at the end was told there is no bonus with no solution offered.
Consumer complaint received 2020-03-03
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. (VA)

I was on vacation and either I lost my wallet or someone stole it. I Had my personal information in there including my social security card. Who ever found my wallet used my information to take out loans in my name fraudulently.
Consumer complaint received 2020-03-03
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. (VA)

I was on vacation and either I lost my wallet or someone stole it. I Had my personal information in there including my social security card. Who ever found my wallet used my information to take out loans in my name fraudulently.
Consumer complaint received 2022-02-25
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

I received an email stating that I had won a watch from XXXX XXXX XXXX and that I only had to pay {$7.00} shipping. The watch was supposed to be free. When I received my credit card statement I was erroneously charged {$64.00}. I submitted a complaint with my credit card company Capital One on XXXX XXXX XXXX was notified by mail on XXXX XXXX that Capital One had sided with the merchant. I called XXXX XXXX XXXX last night Customer Care and they had NO RECORD of me ever ordering or anything ever being mailed to me. I asked them if they would give me the address so I could return the product. I was told since I had NO ACCOUNT with them, they were NOT AUTHORIZED to give me that inflammation. I sent the information to Capital One last night through a secure portal they gave me.
Consumer complaint received 2022-12-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (OH)

I had paid off a loan XX/XX/XXXX or so I thought. I checked my statement XX/XX/XXXX only to find out was charged an interest fee on top of other fees after paid off. When I went to pay this off XX/XX/XXXX amount had changed from XXXX to XXXX charge. Then I was also told they can not close my account I have to call another phone number to do that. The loan employees at Check Smart did not explain that your charges do not end with the payoff of your loan but they keep consistently going after that. Very deceiving to people. I will Never use this company or recommend Anyone to use them! 
I call XXXX XXXX XXXX and closed my account and hope this is the end of them and Check Smart. How are they allowed to get away with this? Statement does not have actual amounts that I actually paid. I paid {$300.00} for my loan not {$270.00} then another {$2.00} not {$2.00}. Why are they not audited for posting incorrect amounts?
Consumer complaint received 2020-03-03
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. (MD)

For my account with XXXX XXXX, they reported I missed a payment. However, if you look, I am ahead on my payment and the balance is up to date and paid over the minimum amount due. Please have them remove the late payment.
Consumer complaint received 2020-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

There is inaccurate information on my report. This is a violation of my privacy. As well as a violation of the FCRA rules and regulations. 

{$500.00} XXXX XXXX XX/XX/2020
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After reviewing my credit report, I'm challenging a series of errors on credit file according FCRA guidelines 1. Payment history is inaccurate according to number sequence. Review attached documents from Experian to support findings. 2. It states payments were made 48 % onetime, which is incorrect. Payments review by the amount of time determined by number of payments which generate differ from whats on credit report. 3. Update status states XX/XX/2020 which is a National Holiday all agencies are closed. Home was recently sold.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

My complaint is with XXXX XXXX XXXX XXXX XXXX with Mortgage and auto loan. 

In the annual credit review last XXXX, I can see that the mortgage balance has not been updated since XX/XX/year>. Also two payments during the COVID-19 ACT were reported within 30 days. In XXXX of this year, I was a co-signer for a auto loan ; XXXX XXXX XXXX XXXX inquired about my credit on two occasions.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of Identity Theft and have a police report to support my claim. I have on several occasions to updated my personal information to the credit bureau and they refuse to update/ remove the address that I am not affiliated with.
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I need to report the following accounts listed below for violating the Fair Credit Reporting Act ( FCRA ). Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  XXXX  XXXX Account XXXX : XXXX ; XXXX Account XXXX : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXXXXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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.
Consumer complaint received 2020-03-03
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)

there are several accounts appearing on my credit report. i do not recognize these as mine. someone has fraudulently opened these accounts and they cant be reported on my credit. there is a XXXX XXXX/XXXX    account opened XX/XX/XXXX. a XXXX XXXX  XXXX opened XX/XX/XXXX. a XXXX account opened XX/XX/XXXX. a XXXX XXXX XXXX opened XX/XX/XXXX. a XXXX XXXX XXXX XXXX   opened XX/XX/XXXX , another XXXX XXXX XXXX XXXX  opened XX/XX/XXXX and lastly an XXXX XXXX XXXX XXXX  XXXX  was opened inXX/XX/XXXX
Consumer complaint received 2022-02-25
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 previously disputed with XXXX XXXX and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.