davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-07
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. (GA)

The following items are incorrectly reporting on my credit file : XXXX - Date Opened : XX/XX/XXXX ; Bal : XXXX XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) ; Bal : XXXX
Consumer complaint received 2020-08-07
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. (AR)

Experian credit reporting is giving me the WRONG score. I had my credit checked by a mortgage lender just Tuesday XX/XX/XXXX and was told that it was XXXX. On XX/XX/XXXX, I had problems logging into my Experian " account ''. They kept calling via bot to my XXXX voice and did not give me the option for a text. Well, if you start speaking to a XXXX XXXX number, and do not follow the prompts, you will miss the opportunity to speak with the person whom you are trying to reach. They do that to make you give them your REAL cell phone number -- because they " sell '' these numbers to other financial agencies and they wanted my REAL number for that  purpose -- they do not care about me as a consumer. I finally outed them on XXXX and I got someone to call me. Through their website, my score was XXXX!!!! How can it be that big of difference? In one day? They are fraudulently giving me numbers because they want me to purchase their products and I outed them on social media to other consumers who were having trouble because of them -- for some of the same reasons. I tried to get an " annual report '' and they put some type of discrepancy on my report as if they are " unsure '' of my zip code. So when I do apply for credit or try to get my lawful annual report, they don't immediately give it to me. 

These people are not even a US based company and should not have access to so much consumer personal information. They are retaliating against me! They also told me if I wanted to add my yearly income that might help my FICO -- that just helps them sell more of my information. Your score is your score regardless! I think they want me to PAY for Experian " boost ''. Credit bureaus should not be money-making organizations, because their goal is not to actually help the consumer -- they work against the consumer. 

I also see other things such as multiple hard inquiries that should not be there and an " account '' from a company that was discharged when I filed bank on my report that should not be there. They are clearly retaliating! I have worked hard to repair my credit and one of the bureaus is working against 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 status incorrect
Company: Shellpoint Partners, LLC (CA)

I always make my payment at the end of the month. I have spoke to people repetitively each month to schedule automatic payment on the XXXX of each month. It looks like my payment was taken out at XXXXXXXX XXXX on the XXXX day. It should have been taken out on the XXXX. I did not make this payment late. Technically, it was still paid within XXXX And this is incorrect reporting. I have called and spoke to new Rez directly about this and they should not be an issue. please remove the late off my credit report as I am not late. I am losing faith in these automatic/scheduled payment systems. They do not seem to be accurate and XXXX things up. Payment was made. Please remove the late Remark on all credit bureaus
Consumer complaint received 2022-11-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advanced Collection Bureau, Inc. (OK)

Pursuant to Title USC 1692C ( C ), I am invoking remedy as the consumer natural person and DEMAND Advanced Collection Bu cease and desist debt collection activity with removal from ALL bureaus.

Advanced Collection BU needs to remove ALL and ANY reporting of the debt collection activity from all consumer reporting agencies.
Consumer complaint received 2020-08-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (VA)

On XX/XX/2020 opened account in response to promotional offer that provided {$300.00} bonus if completing the following : Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening Enroll in eStatements Open a new savings account I completed the 10 debit card transactions on XX/XX/2020 and opened the savings account and enrolled in estatements and bonus was said to be paid within 120 days which would have been by XX/XX/2020. As of today, XX/XX/2020 no bonus has posted to the account
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

Experian has an automated menu recording that will not let you connect to a live person period. I have called about a half dozen times to different Experian phone numbers & run into the same automated recording. The account information added to my credit file is in error that is not mine. This account belongs to my daughter whom I co-signed for a new vehicle. I do not owe or make any payments on this account at all. I merely co-signed that is all. I have my own vehicle that I make payments on. In the state of Indiana a co-signer is also considered a co-buyer or a co-borrower. I co-signed is the " only '' thing I have to do with this account. This account is listed in my credit file as me being the person who purchased & owes on this vehicle. I am " only '' responsible for making payments on this vehicle if my daughter does not. Therefore this account should not really be in my credit file at all. I have been trying to " add '' a letter to my credit file which unfortunately I been able to do. My daughter 's vehicle was purchased by her on XX/XX/2022. Either Experian needs to quit blocking anyone from talking to a live person or I want them to completely delete my credit file from their company records completely. I filed a complaint with XXXX  over two weeks ago & they have not responded at all.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (WI)

I am a XXXX veteran. I was living in XXXX South Carolina for 1 year. Before moving to South Carolina I purchased a XXXX XXXX. The day I was purchasing the XXXX I explained I did not want my payments to be more than {$300.00}. I was feeling unwell that day and they took advantage of me and loaded the contract with packages I was not interested in and could not afford. I was shocked to learn my monthly payment was going to be {$740.00}. I did that for a while but could not afford it. Despite multiple phone calls did the dealership to rectify the situation I just decided to pay {$300.00} a month the loan. I never missed a payment except for when I was hospitalized due to falling and XXXX XXXX XXXX one month and the second month I got stung by a stingray. then hurricane came and we were ordered to evacuate that area. I still never missed a payment. I went to the local XXXX and took out money orders. one of them they said they never received which I strongly suspect fraud on their end. It's been a nightmare to fix this on my credit report. I no longer have this vehicle. That same month I might have been late on my mortgage payment by a day or so but I never not paid. I'm somebody that has paid everything on time and I pay more then the required amount. I've been waiting months to work on a refinance now that my XXXX paperwork has finally come through from VA. Please help get my credit score fixed so I can do refi
Consumer complaint received 2020-08-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I closed my credit card account with Capital One in XXXX. I was told that balance would be paid automatically within the next cycle. Balance was XXXX and I did not think about it till XXXX, when I found out that my credit score dropped by 140 (! ) points. I found out that they never processed payment for XXXX dollars and did not inform me about it so I can pay in time. It caused incredible damage as I am working on mortgage refinancing and my credit score was >800
Consumer complaint received 2020-08-07
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harley Davidson Financial Services Inc (PA)

I grt a call from a person named XXXX who works at Harley Davidson Financial. He calls me almost 5 times a week and I have proof on my phone bill that shows and states this. I have asked him numerous times when he calls to stop calling me numerous times and he still continues to call me on my personal cell phone number that is listed. This is unacceptable and I will not tolerate this abuse. I have reported him to Harley Davidson customer service and they have not done anything about this. If this continues to happen this will leave me no option but to file with an attorney in my local town and sue Harley Davidson and this guy XXXX for unfair practice and harassing and calling when I have stated numerous times to stop calling me I dont know who you are
Consumer complaint received 2020-08-07
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. (NY)

These knuckle heads are playing a hard ball by alleging that someone is helping me with the issue. XXXX fixed the issue as they did their job of removing the fraudulent accounts. Experian totally ignored my request and the laws and kept it moving. Please. The amounts owing are not mine for XXXX and XXXX-
Consumer complaint received 2020-08-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (FL)

My mortgage company is delaying the repairs on my house after the hurricane Michael by keep making errors on found release. 

They ignored the invoices submitted by the owner. Sent a check of $ XXXX to the borrower and the window contractor by accident. The error was a knowledges in XX/XX/XXXX, yet not fixed. 

The loss department deposit the founds in a different escrow account which delays the found release for repairs. 

No supervision called me back to solve this matter. I spend 30- 50 minutes on the phone to get a run around why I can not have my money released.
Consumer complaint received 2023-07-13
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX Reported XX/XX/XXXXXXXX XXXX  Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX XXXX
Consumer complaint received 2020-09-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (CA)

i have had an account at this bank for 4 years and never had a problem, but they have hired a new risk department and the risk is to the elderly and the financial fraud they warrant as elder abuse and fraud, they have paid so many unauthorized charges immediately and then i must wait 90 days until investigation is over, In the meantime within one month i have received over a {$1000.00} in bogus bank charges as they want to profit from letting vendors steal my money and now i must fight to right their wrongs. i am a lone woman of XXXX years old and i did life at XXXX XXXX XXXX XXXX  XXXX living off my fixed social security .and barely scrapping by, but i had a home and even though it was hard, i budgeted it. Now because of BBVA handling of my account and all the charges they tacked on for their profit, i am now homeless sleeping in a park ' I went to the branch to straighten it out, the girl named XXXX told me that i will never get one dime back and open account elsewhere. i was devastated and cried myself to sleep. i must keep the account open in hopes they remove the bogus charges even though now no way i can pay the {$1000.00} in bank charges. This is terrorizing the elderly and we had a meeting about BBVA and they are doing this to all the elderly, over 10 senior citizens
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I informed them I did not make these two transactions, first they said it was taken care of then the next day they added them back to my statement as if I have to pay them. I am never paying for these : XX/XX/XXXX XXXX  Quick CashOther Services ... XXXX {$80.00} XX/XX/XXXX XXXX ... XXXX {$15.00}
Consumer complaint received 2020-08-07
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. (OH)

I filed an identity theft report with Experian and listed al large items that were incorrect And that I did not recognize. I also filed a police report with the local authorities. I informed both Experian and the local police of who I suspected it f using my identity because thru were one of very few people who had access to my personal info and are the only one who I think would stoop to that level of wrongdoing. Instead of actually investigating these claims I received an answer back within less than 12 hours stating they had completed their investigation and all of the accounts will remain on my report. I refuse to pay for a collection that does not belong to me nor will I pay any money back that was borrowed by someone else who used my name and info. It wasnt me so it isnt my responsibility. I also need my credit fixed so I can get back to my daily life. I have been saving money to buy a home and now I can not get the loan because someone XXXX  up my credit and no one will help me fix it.
Consumer complaint received 2020-08-07
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: AMERICAN EXPRESS COMPANY (MO)

have noticed that AMEX have placed an inquiry on my XXXX  credit file dated XX/XX/2020. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both AMEX and XXXX   to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Consumer complaint received 2020-08-07
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. (TX)

The Account XXXX  XXXX was paid in full as of XX/XX/2020 and at this time XXXX  XXXX agreed to remove item from Experian 's report as they have with the other bureau 's. I spoke with a representative on XX/XX/2020 from XXXX  XXXX and they indeed sent a request for this item to be removed in XX/XX/2020 to Experian which still refuses to remove the item. XXXX  XXXX has instructed me that they would sent another report to Experian as of XX/XX/2020 for this item to be removed. I want to make sure that Experian in fact does comply with this request and delete this item.
Consumer complaint received 2020-08-07
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. (CA)

It has now been 60 days since I reached out to the credit bureau about issues on my credit report. They have yet to respond at all which I know is in complete violation of the FCRA guidelines, even with the extended timeline you have given them. PLEASE help to fix this issue
Consumer complaint received 2020-06-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (CA)

Company rep. from XXXX XXXX XXXX XXXX has called every day since XX/XX/XXXX XXXX it is now XX/XX/2020. I have called and spoke to the rep. and they said its a cold calling system and it can't be avoided. have already agreed to pay {$500.00} a month due by the XXXX of each month and the payment usually gets posted a week prior to that date. every time they call no one leaves a message and I call back to see whom has called, it always a different phone number but same company. I block the number each time.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ad Astra Recovery Services Inc (TX)

The Account AD Astra was paid in full as of XX/XX/2020 and at this time AD ASTRA agreed to remove item from XXXX XXXX report as they have with the other bureau 's. I spoke with a representative on XX/XX/2020 from AD ASTRA and they indeed sent a request for this item to be removed in XX/XX/2020 to XXXX which still refuses to remove the item. AD ASTRA has instructed me that they would sent another report to XXXX as of XX/XX/2020 for this item to be removed. I want to make sure that XXXX  in fact does comply with this request and delete this item.
Consumer complaint received 2020-08-07
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. (CA)

It has now been 60 days since I reached out to the credit bureau about issues on my credit report. They have yet to respond at all which I know is in complete violation of the FCRA guidelines, even with the extended timeline you have given them. PLEASE help to fix this issue
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

EXPERIAN IS VIOLATING CONSUMER 'S FEDERALLY PROTECTED RIGHTS, INCLUDING BUT NOT LIMITED TO 12 CFR 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third parties. Furthermore, EXPERIAN is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. Please provide a copy of each written authorization that was provided, allowing the proceeding disputed reporting and 12 CFR 1016. 10 - Limits on disclosure of nonpublic personal information to non affiliated third parties. Experian is also not reporting accurate information, CONSUMER 'S LEGAL NAME is XXXX XXXX not XXXX XXXX and there should be no other spelling or variation or alias and any account attached to such should also be removed. EXPERIAN IS VIOLATING AS CONSUMER HAS NOT GIVEN ANY WIRTTEN CONSENT OR PERMISSION NOR ANY PERMISSABLE PURPOSE FOR THESE COMPANIES TO ACCESS NOR FOR EXPERIAN TO REPORT. DISPUTED INFORMATION INCLUDED XXXX XXXX  XXXX  ACCOUNT NUMBER : XXXX CLOSED ACCOUNT : XXXX XXXX XXXX  : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL HARD INQUIRIES : XXXXXXXX Inquired on XX/XX/2022 XXXX
Consumer complaint received 2020-08-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I have attempted to get my mortgage lender to call me about ways to help lower my payment using the FHA streamline refinance, as well as after paying my escrow balance current to do an escrow reanalysis to see if it would lower my escrow payment at all so that my monthly mortgage payment would be more attainable. After several calls to them, and requesting several calls from my lender they do not call me back at all. Their automated system is confusing and convoluted to get an associate on the phone which makes it impossible to even work with them.
Consumer complaint received 2020-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

They had 30 days to investigate and didn't. Now they are saying they will further investigate with new information. That is an FTC violation of the Fair Credit Reporting Act. THEY HAVE 30 DAYS PERIOD! Additionally in California per statutes 1013 and 641, which they must adhere to because they are doing business in California, mail deposited is by law consider received. Consequently they are in violation of California law. Lastly, when they cause damages, they are liable trebly ( for 3 times the total damages amount ) to the person they have damaged, due to their erroneous reporting.