davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-11
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. (TX)

I contacted XXXX XXXX XXXX XXXX about an unauthorized hard inquiry made on XX/XX/2022. XXXX XXXX XXXX XXXX has no information about this inquiry or personal data. Therefore, they can not remove this hard inquiry. I have asked the reporting credit bureau to remove the hard inquiry but they will not because XXXX XXXX XXXX XXXX must contact the reporting credit bureau for removal.
Consumer complaint received 2020-03-08
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: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

XX/XX/XXXX- I was 5 days late on my credit card payment to XXXX XXXX XX/XX/XXXX - XXXX XXXX offers me a settlement for 60 % of amount owed on credit card XXXX - XXXX I call about terms of settlement XXXX Explains is I take agreement they will take the payments out of 12 months and tat the end of the 12 months the account would be a closed and it would be reported as settled for less than amount owed I agreed. 

I gave them my bank information I called back in the middle of XXXX of XXXX to see if they would be reporting payments to credit. They said they would not be making any reporting to credit that the account was just agreed to be settled for less than full amount. 

I paid through my bank automatic withdrawal for 12 months. 
Than at the end of the 12 months XXXX marked me 30 days let for XXXX of XXXX the first month of the payment plan and XX/XX/XXXX. The last month of the payment plan. 
Again I was not late either of these months. 
I called they said they would fix it and they have since marked me late each month since and I do not owe them any money. 
They have not stated the account is charged off. I never was never late and I was never in collections. All my conversations were on re corded lines and payments were directly taken out of my bank account.
Consumer complaint received 2020-01-15
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: Army and Air Force Exchange Service (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-15
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: Experian Information Solutions Inc. (FL)

applied for several credit cards including XXXX and XXXX. was told I am being denied because of negative info on my credit repport the companies received from experian. Asked experian for a copy of my report, they refuse to mail a copy to me unless I mail them a copy of my drivers license and other documentation. I believe the info they a re asking me to submit in order to receive my credit report which I am entitled to receive under the law when turned down for credit is illegal.
Consumer complaint received 2020-01-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Knight Adjustment Bureau (UT)

knight adjustment bureau of XXXX Utah levied my bank account no notice no warning no documents telling me what for don't know total amount or what the debt is for i don't know total amount!!! my bank has no idea what its for or the amount all i know at this point is KNIGHT ADJUSTMENT NEEDS TO HAVE A FEDERAL AUDIT DONE ASAP i will be following this investigation and contacting every state and federal agency i have too the media as well if nothing is done
Consumer complaint received 2022-11-11
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the Dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 


XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Consumer complaint received 2020-03-08
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)

I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA ; sXXXX On XX/XX/2019, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. 
there were fraudulent accounts open in my name I did not give them permission to use my info I am victim of identity theft
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (FL)

I have always made on time payments until my step dad died from XXXX  related illness and I ended up catching XXXX  as well. Previously I would make multiple payments a month- even to principle before the pandemic hit hard I am very strategic about my credit. I also always call if I am having any hardship and keep open communication with my creditors. I ended up getting very sick and having to miss time from work. At this time I called around XXXX  payment and inquired on an extension. I was told they would send my request to a supervisor. I got so sick I absolutely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. To this day I have not fully recovered. I called back in, around XXXX  as I never received any confirmation online of my new due date. A rep told me I could not get an extension I remember telling them I spoke to someone who said I basically had gotten one. They said something about no recording being on file. I was upset and felt very confused but didn't feel well enough to escalate it. I made a XXXX payment more then my normal payment of XXXX which- I always pay more then my payment due. How unfairly I was treated because of a agents mistake or miscommunication caused me to call again about the extension later on. I mentioned how I was supposed to have an extension and requested another extension to catch up as i was under the impression in XXXX  that for XXXX I was given a month extension, as I remember being asked about my ability to back back and them sending the request. Difference is This time We did the recording right then and there and I made sure I was no longer considered behind. I recently looked at my credit with all 3 reporting agencies To my surprise I was reported for 3 missed payments which is not correct and during all these different pandemics the last thing i need is my credit to be impacted especially due to agent error and miscommunication. I have called and asked to speak to someone about removing the late payments as i never had one before this error and asked if in good will they would remove it I was told to dispute i disputed and it was updated from 3 missed payments to 4!!!! I could not get any humanity or fair treatment about this matter, I was misinformed from the beginning and this has been added stress  to my mental heath. Please remove the late payments as I made every payment before my due date or not exceeding 24 hrs of the due date, every month within the time period in question of XXXX XXXX  of XXXX  excluding XXXX XXXX XXXX as I believed I had a one month extension/deferment. It is not fair for me to be held responsible for a agent error all the late payment remarks including XXXX  should be removed. Here is only one of the many screen shots I have Im hoping we can get this resolved.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: ZIONS BANCORPORATION (CA)

My father passed away in XX/XX/2022, and my family is having major difficulties getting his credit card from California Bank and Trust closed. We went to the local bank branch and provided his death certificate and were told that since there was a credit on his account, we would need to call the company to get the account closed. On XX/XX/XXXX, I called to close the account and was told they closed the account. However, we continued to receive credit card statements, so I called on XX/XX/XXXX to confirm that the account had actually been closed and was told that they could not give me that information and that I would have to present a death certificate at the local branch ( which we already did in XXXX ). At this point, I'm lost as to how to get this account closed. Please provide assistance.
Consumer complaint received 2020-01-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

I, XXXX XXXX, called Navient to make payment arrangements and I was told that its income base which is fine but the interest was 500- {$600.00} per month. Its no way the lender expected for me to pay high interest and make my payments I'm not rich! Something need to be done about this. More student loans can be paid back if it was a rip off. Something need to be done.
Consumer complaint received 2020-01-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

My hardship began XX/XX/2016 when my Son was diagnosed with a rare medical condition know as XXXX XXXX XXXX, in which he had to have undergone 5 medical surgeries over the last 36 months. The surgeries required extended stay in the hospital and caused me to miss several days of work reducing my wages. I had to take a position with reduced income but was able to spend more time with my Son, and my situation worse with a divorce that further reduce my income. 
SSI is providing a monthly benefit but together with my reduced income is not enough to bring the mortgage current or continue to pay at the current high interest rate. I applied for a Loan Modification was turned down indicating that although I have a hardship, I do not qualify for a loan modification.
Consumer complaint received 2020-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (KS)

On XX/XX/2019, US Bank made an erroneous debit of {$290.00} to my checking account. This made my account go negative. On XX/XX/2019, US Bank  issued a check for the same amount of {$290.00} to me. On XX/XX/2019, US Bank closed my checking account with the negative balance caused by their mistake, and placed it with a collection agency. 
I have spoken with my main branch, cardmember services, recovery, and customer service on multiple occasions. On each call, or visit, I have been transferred to multiple departments without the situation being resolved. 

I never asked to have my checking account closed. I have not cashed the check they sent to me. After they closed my account, I was unable to use my online banking. The notice US Bank sent me stated that there was a withdrawal of {$290.00}, but did not provide any details as to who initiated the transaction. I only learned that US Bank made the debit, after visiting my local branch, but the teller did not know why. 

I have never received a thorough explanation of what happened, and now my credit is being damaged due to the actions of US Bank. My checking account had a positive balance, and by overdrawing my account, US Bank has stolen from me, and caused incorrect information to be added to credit report. This situation is still unresolved.
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

It has been over 30 days since I've contacted Experian regarding a dispute that included two accounts reporting on credit file that were established without my knowledge or consent. These accounts today are still reflecting on my Experian Credit Report. I have sent supporting documentation including a identity theft report which was very detailed. Experian has and continues to violate the Fair Credit Reporting Act Sections 605b, 609, 611. In addition Experian placed an account in dispute that was never initiated on my behalf ( XXXX XXXX ). I called Experian and after speaking with a Representative I was told it was nothing that could be done about which is unacceptable. So Experian has 1. Failed to provide accurate or 100 % verification within 30 days or proof obligating me to the fraudulent accounts in question. 
2. Has failed to provide a block within 4 days after being notified with a supporting documentation including a Identity theft report from the FTC 3. Has removed an account in error and admitted to doing so but is unwilling to cancel this dispute they initiated. 
4. Experian has caused a financial strain on my current financial situation in regards to credit score not being accurate due to their negligence.
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. (IL)

I am writing to formally lodge a complaint regarding the inaccurate reporting of an account on my credit reports, which is associated with XXXX XXXX XXXX XXXX and has been managed by your organization, XXXX XXXX XXXX. This erroneous reporting has had a detrimental impact on my credit standing and necessitates urgent attention to rectify the situation. 

Upon reviewing my credit reports, I have identified discrepancies in the reporting of the account attributed to XXXX XXXX XXXX XXXX. These inaccuracies have adversely affected my creditworthiness, warranting immediate action to correct the record. 

In light of these concerns, I hereby request a comprehensive investigation into the account in question. Additionally, I kindly ask that you provide written documentation to substantiate the validity of the reported account, including but not limited to the following : Signed contracts or agreements relating to the services provided by XXXX XXXX XXXX XXXX. 
Valid photo identification associated with the account holder. 
Detailed records of service dates outlining the nature of services rendered. 
Comprehensive documentation indicating payment dates and amounts made towards this account.
Consumer complaint received 2020-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation (SC)

I was and am i victim of cyber attacks cyber crime and identity theft. It has stemmed XXXX and has bled to other reporting agencies. I am the victim in this yet i am treated by some like the account originator. Yet i am not. 

World finance has been notified and asked via disputes/SINCE XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX and i have talked with them over and OVER. Yet i am being told that they have factual information. No they don't. One they has lost the original documents, I was told by a local world finance store. Two they  refuse to give me ANY information about the LOAN other than they want me to pay for it*settlement*. They charge it off and off changing the price up and down to adjust activity to lower my credit. The Bureaus always allow them. Ridiculousness and criminalistic in nature and it directly violates the FCRA and my rights. I have done all that has been asked of me FROM all parties. 

My entire identity and life was stolen from Drivers license, birth certificate, social security card. All from cyber attacks cyber crime and identity theft. Had financial take overs in multiple accounts. And not just in the first settlement with XXXX  but the 2nd NOW. 
I am attatching to very first and ONLY thing i have received from the company. And i refused to settle for anything because it is not mine. Remove surpress and delete. This is what ive asked. I desperately need help.
Consumer complaint received 2020-01-15
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: SYNCHRONY FINANCIAL (MA)

There is an inquiry that has been placed on my credit report on XX/XX/2020 by Synchrony bank from SYNCBXXXX. I disputed this inquiry with the credit bureau XXXX   asking them to verify the inquiry because I did not authorize the company or anyone to submit any application and if synchrony bank claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for this inquiry, because the FCRA states the  company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that synchrony bank verified or validated this inquiry when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate this inquiry. This application was submitted fraudulently.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.