davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-11
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. (GA)

I filed a dispute on XX/XX/2020 to two of the credit bureaus about inaccuracies on my credit report. It should on one report account open and on another the account was closed which is inaccurate information. I also show that the collection agency XXXX was report for the creditor XXXX XXXX XXXX now that I have filed a dispute the creditor has changed from XXXX to XXXX XXXX XXXX XXXX because it was reporting in accurate information on my credit file. I dont think this is right as a consumer you have the right to file a dispute on inaccurate information and it should be be deleted once the dispute was looked at I have proof that the creditor was using a collection agency but not the information has changed this is inaccurate and should be removed from my credit report. See attachment of the information I am claiming to be factual.
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (PA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2022-12-27
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. (OH)

TransUnion, XXXX and XXXX are all reporting bankruptcy information that was obtained fraudulently and is also inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was filed XX/XX/XXXX, the date paid was XX/XX/XXXX, it was obtained illegally and I demand to have it removed from my credit report, and # XXXX was filed XX/XX/XXXX, the date paid was XX/XX/XXXX, this information was also obtained illegally and I demand to have it removed from my credit report.
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: ALLY FINANCIAL INC. (UT)

I applied for a line of credit on XX/XX/22 and was approved for {$1500.00}, which resulted in a hard inquiry on my credit report. I was told I could expect my card within 7-10 business days ( by XX/XX/22 ). 

I contacted the company to follow up after two weeks and was told they simply can't issue and manufacture cards. They have no idea when the card will be available to me, despite my application approval. I submitted an inquiry and received no follow up or communication. 

It's been a month now and there is still no estimated deadline for issuing a credit card. 

I have received a hard inquiry on my score for a line of credit I have no access to, or no promise of access to. It's incredibly unethical to accept applications and pull credit for cards and funds this company has no intention of providing.
Consumer complaint received 2020-06-11
Product: Mortgage — FHA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: MIDFIRST BANK (WI)

I had a chapter XXXX two years ago no credit is being reported on my credit history. I called bank they said never received a letter from the attorneys office to keep the house. After two years making the payment on time? Then last year they said I was short XXXX in escrow they fixed it to XXXX again this year said I was in shortage again now they want XXXX a month for what? Taxes went up XXXX more a year? Home insurance went up XXXX a year. why I have to pay XXXX thats XXXX a month than the original payment. I will write them again. They are making me crazy.
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I had a recent mortgage modification where it was completed roughly 45 days ago and they are still reporting the old mortgage balance and that I was late with my mortgage payments. Neither of which are accurate. I provided them with a current statement of my mortgage showing it is current and that their balances are incorrect and they refused to recognize that 3rd party documentation as proof that I am correct.
Consumer complaint received 2022-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/2022 my wife was scammed through a fake email claiming to be XXXX. They said her account was compromised and had her go through security steps to protect her account using XXXX. It was a scam. Shortly after I got an email from USAA that a person was added to my XXXX recipients by the name of XXXX XXXX was added to your Send Money with XXXX recipient list using the phone number XXXX. This information has been saved for future XXXX transfers. If you didn't make this change, please call us at XXXX ( XXXX ), XXXX, or our mobile shortcut # XXXX. After that there was a XXXX for {$300.00} from my account, {$690.00} from my sons account and {$850.00} from my daughters account. I immediately called USAA and reported it. The bank is making me responsible
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-05
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Utah System of Higher Education (OH)

There are two accounts for loans reporting on my credit reports from UHEAA which are identity theft and do not belong to me. I am not a student and did not apply for these loans. One loan is for {$3000.00} and the other is for {$1700.00}. These are being reported to my credit report having a negative affect on my credit. I have contacted the company and when I gave them my social security number they said nothing comes up and they do not have an account for me.
Consumer complaint received 2023-12-29
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. (NC)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a definite victim of this data breach and Equifax has done nothing. Please help me and allow for these false and illegal credit reports to be deleted from my account Thank You!!
Consumer complaint received 2020-06-11
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. (GA)

I recently filed a dispute to the credit bureau about 2 Chapter XXXX bankruptcy showing on my credit report. I received a status back saying the information was verified as accurate. I then reached out to the bankruptcy courts to see if they verify this information. I got a letter back from the courts stating they do not give/verify credit bureaus request to report on my credit report. I then reach out to XXXX XXXX to see if they verified the information reporting on my credit report I was told they do not verify that information and upon looking on XXXX XXXX web page it states that as well. How can the dispute come back as being verified if the courts and XXXX  XXXX did not verify it??? Please remove the 2 Chapter XXXX bankruptcy from my report immediately as I have filed multiple dispute. Please see documentation of what I sent the CB, what the I sent the courts and what the courts sent me back and XXXX XXXX web page stating they do not verify bankruptcy information on a consumer credit file.
Consumer complaint received 2020-06-11
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: EQUIFAX, INC. (GA)

I have contacted Equifax and XXXX XXXX XXXX  several times concerning my inquiries and they have refused to remove the fraudalent inquiries and accounts off of my credit report. This is causing me major financial damage. Also XXXX XXXX XXXX  is reporting a fraudalent auto loan in my name. XXXX XXXX XXXX XXXX is also doing the same thing. I have been a victim of identity theft and all of these companies have failed to correct the inaccurate information. XXXX is also reporting collection accounts for student loans. These companies need to be made liable for iaccurate reporting and are violating my federal rights under all of the FCRA 605, 623, AND 611. IF INFORMATION IS NOT CORRECTED MY ATTORNEY HAS NOTIFIED ME WE WILL GO TO FEDERAL COURT FOR SERIOUS COMPENSATION AS WELL AS MY FEES PAID FOR LEGAL SERVICES.
Consumer complaint received 2021-06-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: NAVY FEDERAL CREDIT UNION (TN)

When i got my stimulus check it was not direct deposited. I physically took the check to the teller and advised that i wanted a XXXX deposited to cover the overdraft funds and other bills and the rest of the money was cash in hand. 

They just notified me a week with an email ( mind you they spam your email so who is really going to open email ) but i went through the email cleaning it out and noticed that it said they were taking XXXX from my account. I emailed them back letting them know i had no idea what this was and to please take it off because i didnt agree to any of this. 

A week goes by and i decide to call because there has been no response. I was advised that it was a courtesy credit for me to have my funds available immediately. This was not communicated during the transaction in person. If it was i would have told them no i dont need that because i have cash in hand and im fine. After speaking with the rep she advised there was no notes stating it was discussed or that it was added and they couldnt reverse it. I then asked for a supervisor. 

The supervisor i spoke with was not friendly at all. I explained to her that this is not right. I took the check knowing and willingly to cover the overdraft charges plus a little extra and the rest in cash to pay off bills. This was never discussed and replied back to the email. Her reply well you can reply back to the email. I said maam if this is the case why not put something like DO NOT REPLY like all companies do when you are not to email you back. I advised this is wrong on their end because they put something on my account without my knowledge or agreement to. 

The credit was not added before i made the deposit but the very next day. Why would i need the credit i have my account back in positive standings and if you did put the credit why not get your money the same day you put it on there seeing i had more than enough to cover that credit instead of sending a email a week before you are taking the money. 

This is not how veterans and their families are supposed to be treated, I work for the state of Tn and As a company you are to let the consumer know what is being done before it is applied. So my family is looking at it worried because this is our funds to pay bills our rent lights with 4 children and they dont care at all when this is their fault not ours. 

The bank is navy federal credit union.
Consumer complaint received 2020-01-03
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. (CA)

XXXX  XXXX XXXX, tried to raise my interest rate to 30 % and denied me the ability to carry out any 0 % balance transfers, cash advances - only the purchase option was made available to me. - I had to close my account due to the unfair and deceptive practices after being a customer since XXXX. I have been a XXXX  XXXX XXXX member since XX/XX/XXXX. On XX/XX/XXXX, my {$50000.00} limit was reduced the credit limit to {$39000.00} and my other XXXX credit card with a {$1000.00} limit that was opened XX/XX/XXXX, was also closed on XX/XX/XXXX this action impacted my credit utilization and credit profile with a thirteen year relationship. XXXX  XXXX XXXX has been carrying out predatory lending practices. My minimumpayment was {$200.00} and I was paying this at 0 % APR - paying off my balance. XXXX  XXXX XXXX turned around and hurt me when I closed my account, changing my minimum payment to {$1200.00} at a 26 % interest rate - making it impossible for me to pay back the balance. XXXX  XXXX XXXX retaliated after I filed a CFPB report about their unfair and deceptive practices. XXXX  XXXX XXXX also contacted XXXX. XXXX told me over a recorded call that they lowered my credit limit by 50 % after XXXX  XXXX XXXX told them I had a late payment with them. The action messed with my credit utilization - negatively impacting my credit score. XXXX should not make decisions based on inaccurate, information that XXXX  XXXX XXXX has provided them about matters between myself and XXXX  XXXX XXXX which has nothing do with my XXXX accounts. XXXX needs to put my credit limit back to its original limit as I have never made a late payment with XXXX. XXXX  XXXX XXXX reported to Experian that I am late by {$590.00} and that is incorrect. I did not agree to a {$1200.00} a month payment. I paid my {$200.00} a month as agreed. I also told the FTC about predatory lending from heartless XXXX  XXXX XXXX.
Consumer complaint received 2020-01-03
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: CITIBANK, N.A. (CA)

XXXX XXXX XXXX, tried to raise my interest rate to 30 % and denied me the ability to carry out any 0 % balance transfers, cash advances - only the purchase option was made available to me. - I had to close my account due to the unfair and deceptive practices after being a customer since XXXX. I have been a XXXX  XXXX XXXX member since XX/XX/XXXX. On XX/XX/XXXX, my {$50000.00} limit was reduced the credit limit to {$39000.00} and my other XXXX credit card with a {$1000.00} limit that was opened XX/XX/XXXX, was also closed on XX/XX/XXXX this action impacted my credit utilization and credit profile with a thirteen year relationship. XXXX XXXX XXXX has been carrying out predatory lending practices. My minimumpayment was {$200.00} and I was paying this at 0 % APR - paying off my balance. XXXX  XXXX XXXX turned around and hurt me when I closed my account, changing my minimum payment to {$1200.00} at a 26 % interest rate - making it impossible for me to pay back the balance. XXXX  XXXX XXXX retaliated after I filed a CFPB report about their unfair and deceptive practices. XXXX  XXXX XXXX also contacted Citibank. Citibank told me over a recorded call that they lowered my credit limit by 50 % after XXXX  XXXX XXXX told them I had a late payment with them. The action messed with my credit utilization - negatively impacting my credit score. Citibank should not make decisions based on inaccurate, information that XXXX XXXX XXXX has provided them about matters between myself and XXXX XXXX XXXX which has nothing do with my Citibank accounts. Citibank needs to put my credit limit back to its original limit as I have never made a late payment with Citibank. XXXX  XXXX XXXX reported to XXXX that I am late by {$590.00} and that is incorrect. I did not agree to a {$1200.00} a month payment. I paid my {$200.00} a month as agreed. I also told the FTC about predatory lending from heartless XXXX XXXX XXXX.
Consumer complaint received 2022-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

My wife and I applied for a loan modification with Wells Fargo. I lost my job during XXXX  and we struggled to pay our mortgage. We were sent out documents and were ordered to make 3 trial payments for 3 months which we paid. We were told that a notary would come to our house to notarize our paperwork but after several attempts they never got back to my wife. Soon after my wife, myself and kids all got XXXX  and set us back a month. We finally were able to complete the paperwork and send it in the prepaid XXXX  envelope that was provided from Wells Fargo. They never received it and were unable to locate it even though they had the tracking number for it. To this day it was never found and during the process of filing complaints they sold our mortgage and never honored the loan modification. They said they would give us another loan modification which would be {$300.00} more a month than originally quoted.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have pulled my latest report and saw these inquiries appearing that I did not authorize. I demand these inquiries to be deleted from my report. Attached to this complaint is the FTC Complaint I have filled. 

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Consumer complaint received 2020-01-03
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: GOLDMAN SACHS BANK USA (UT)

On XX/XX/XXXX ( {$960.00} ) and XX/XX/XXXX ( {$900.00} ), I purchased an XXXX ( 2 total ) with the Apple Card. I specifically asked for the installment plan on both ( see attachments ). I did not get the installment plan on either. I got a {$1800.00} balance due on the card. I spoke to the Goldman Sachs rep via secure chat ( see attachment ) and was told in writing they would fix this. Today, on XX/XX/XXXX, I was told by Goldman Sachs their rep was wrong, and they will not fix it. This is classic bait and switch on a promotional offer.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.