davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

Specialized Loan Servicing LLC has not paid my city taxes even though they have been collecting the money and have it in my escrow account. I've attempted to get them to rectify this for weeks. My first message to them through their online customer service notifying them of the error was on XX/XX/XXXX. They gave me a number to call and the number only gave an address to write a letter to. On XX/XX/XXXX I wrote a notice of error letter and mailed to them which they have not responded to. I've since sent 3 more messages and talked to someone that was supposed to take care of it. The final due date is XX/XX/XXXX, tomorrow and after a month of trying to get them to pay the taxes and accruing late fees they owe nothing has been done. Reaching them by phone is nearly impossible since the automated phone tree for taxes ends with an address to respond in writing with no option for a representative. The online contact us only responds with they can't help and I have to call the number.
Consumer complaint received 2019-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AL)

This debt was originally taken off of my credit report due to this being done without my consent. It has recently been placed back on my credit report by Experian after they had previously deleted it. Back in XXXX of XXXX, I had signed the guarantor form for my son to get an apartment. I later revoked my decision with my son and the leasing office due to him not being able to pay his rent in advance or through the duration of the lease due to him not receiving his financial aid monies. My son later went back into the rent office and proceeded with signing the lease without my consent or my knowledge. The leasing office at that time did not call me to confirm with me or to see if I had changed my mind about allowing my son to proceed with signing the lease. I didn't find out about this until XX/XX/XXXX when the debt appeared on my credit report because my son never moved into the apartment. My son 's signature is the only signature on the lease because once again I revoked my decision to be the guarantor on the lease with my son and with the leasing office.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

In rebuilding my credit after having identity theft last year I was instructed to sign up for new credit card. I signed up for XXXX XXXX card in XXXX. The card showed up immediately on my XXXX, XXXX   and Equifax credit reports starting in XXXX. 

Since XXXX my Equifax report has had no further payment updates. I have made all my payments in full each month since I received the card yet Equifax incorrectly shows I have a balance of {$990.00} which is last month total due which was paid on time. 

For XXXX they show the same balance that has been unpaid. They show I have paid on time for XXXX and XXXX but they are missing XXXX. 

For XXXX they show the same balance that has been unpaid. They show I paid on time for XXXX but XXXX and XXXX is missing. 

I called all three agencies and they told me XXXX XXXX has not been updating their data and I should contact them. 

I called XXXX XXXX and they said they have given all three agencies update data through the end of XXXX. They said I should speak with the agencies. 

I am at an impasse and as of this last weekend my XXXX score dropped by 30 points and my XXXX call dropped 23 point as a result of this miss-information. 

As a result of this miss-information the FICO scores that I have worked so hard to rebuild have been seriously impacted.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I have not received an answer, and at this point I just feel they are not going to cooperate with me, he Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report,
Consumer complaint received 2022-09-13
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (TX)

After waiting for a deposit that was initially delayed already, I received a deposit in my Sofi checking account on XXXX as expected. When I go to use my checking debit card, it is denied so I login to my account to find that it has been frozen. 

When I call the number provided, they do not provide me with any explanation or timeline on how long this will take. Now I can not access my funds to purchase gas or do anything that I need to do. With no timeline in mind now I have no idea how to plan for this.
Consumer complaint received 2023-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions If one credit bureau remove something from my credit, then all three credit reporting agencies should make therefore the information is inaccurate. In this case XXXX removed the collection account from my credit report, but XXXX and Transunion have yet to remove them. I have did disputes online and sent multiple dispute letters in the mail. I have inaccurate names, addresses, phone numbers, and even my social security number is inaccurate
Consumer complaint received 2023-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (OH)

I was lied to and discriminated against with the company synchrony bank. I signed up for a 0 % credit card. I called twice to make sure the payments were coming out before the promotion was over so I didnt have to pay any interest. Both times they told me I was making the correct payments And then all of a sudden almost {$3000.00} of interest was charged to me. The company told me there was nothing they can do about it they cant pull up the phone records for when I called twice. I asked them to put it in dispute. They said there is nothing they can do. I feel as being a woman with perfect credit they took advantage of me. My husband has also talked to them a couple times about this issue. They blew him off and told him there is nothing they can do they dont keep phone records? I find that hard to believe.
Consumer complaint received 2022-12-17
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. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$570.00} ; XXXX XXXX XXXX Balance : {$7000.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was trying to buy a car and noticed I had damaged on my credit report. According to the 15 USC 1681 law there should not be any damages on my report it is a deformation to my character.
Consumer complaint received 2021-08-30
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (MS)

I order furniture for an entire house being constructed in XXXX. Over XXXX in furniture. I have only received a 3rd of the order and it us XXXX. I've taken off work 3 different times only to get no items or 1 item at a time. The customer service people lie about dates and changes. I have since did a warranty on a mattress and ordered a box spring in XXXX. No update on that order. Half of the things they brought from the XXXX ordered is damaged and has to be resent. It all looks refurbished. No one can give answers on dates but they say all of the furniture is in. Out of 3 orders and a pretty good XXXX on furniture they don't care. I really want them to pick it all up and I'll shop elsewhere and make sure everyone I know hears about this experience. The interest only is misleading to consumers if it takes a year to get the furniture. Bad practices. This is my last order with the company I've furnished an entire house before with them and sent countless referrals. If they tell ppl 0 % interest for a year.. and you wait 8 months for furniture you didn't technically have a year with no interest because you didn't have the furniture that's misleading sales practices.
Consumer complaint received 2023-06-26
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. (OH)

Inquiries that I did not make which has caused me to have to answer questions that are not related to my credit, and inquiries that were not made by me. 

My my XXXX credit report has 2 different social security numbers listed ( see attached copy ). I have called and can NEVER get a live person to answer!! 

Inquires that need to be deleted : XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX
Consumer complaint received 2021-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2021-08-30
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. (FL)

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Consumer complaint received 2018-02-27
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Bread Financial Holdings, Inc. (NY)

XX/XX/18 At a XXXX XXXX tour Ref. # XXXX I was verblily given phalse and misleading statements.That led me to sign a paypal account order I.D . XXXX on my XXXX Contract # XXXX Thay sugested I use my XXXX Credit Card to make purchases and pay my paypal acct. to gain additional pt 's & bonuses. when the visa card did not arrive by the 5th day I made a number of call.s to XXXX XXXX ( sales rep. ) He said he would take care of it, not to worry. when the card came I found I could not get what I was led to believe with the points I was purchasing for two timeshare weeks and XXXX $ plus a maintance fee of XXXX $ a year. I've made numerous calls since then and kept in the dark until today XX/XX/18 XXXX said he could not cancel the contract because of the 7 day limit! 
I certainly believe they took advantage of an XXXX year old man and his wife XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-04
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/2019 I sent out a letter disputing a fraudulent USAA account with XXXX. They came back and stated that the account had been verified by USAA. 

In XX/XX/2019 I called USAA about the fraudulent account, they stated that they were unable to locate this account in their records. I also sent them a letter, in which they received on XX/XX/XXXX, requesting the original business transaction that shows my signature for the item they are reporting on my credit. I have yet to receive anything from them. 

I reviewed my credit report today, XX/XX/2019, and I saw that the account had still been reporting on my credit report. 

I called XXXX  about the account, in which they had just opened a dispute on XX/XX/2019 again with USAA. I sent the letter in since XX/XX/2019. I informed them they they need to block the account from reporting until proof is provided otherwise. They refused to block the account and stated that they will wait until USAA provides information to verify the account. I asked how was it verified the first time since they don't have any information to verify that the account was mine. They couldn't answer the question and only provided a vague response that a dispute is opened. 

Both the other credit bureaus ( XXXX  & XXXX  ) have already removed this fraudulent account from my report, however XXXX  has failed to do so and it is negatively impacting my credit. I am unable to obtain a business loan as a result of this erroneous account.
Consumer complaint received 2020-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (CA)

i filed my income taxes online and on my credit report was a new charge thru XXXX XXXX   for {$130.00} loan on XX/XX/2020 that i never applied for or recieved and now its gone to collections to midwest recovery systems i believe somebody from 2 previous addresses that i lived at is responsible for theses charges for the same thing happened under my wifes name for a payday loan she never applied for from the same previous address that we have not lived at for more than 6 yrs i disputed this thru XXXX and reached out to XXXX XXXX and midwest recovery and have got no response i reached on on XX/XX/2020 this is for sure identity theft my identity has been compromised
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (AK)

This complain is for Wells Fargo and for several reasons they have a lot of law suit in past years. And apparently I am one of the victims of their fraud. I tried to fix issues with the banking people but was not able to their promise to take care of things and provide me the compensation but on some cases they have not been taking care of issues and instead just have said that we cant do anything. 
Clearly that have done something wrong but they dont want to accept it. Hopefully someone read this complaint and file another lawsuit to make them understand what they did wrong.
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (SC)

I entered into Ch. XXXX Bankruptcy and am to the best of my abilities trying to finish my case and rebuild a life for me and my son. I have done tons of research to try to fix the issue as well as make calls to every number and I have I mailed several letters to every address for Victoria Secret to try to get a 30 day late from 2018 removed from my credit history but every response I received from them basically says no they will not remove it and to basically not ask again.The response was very generic and I don't feel like they put any thought or effort into my plea. I have seen several letters from this company showing where they have made adjustments and I just wanted to same one time courtesy. I do not believe it is fair for consumers who hold this credit card. I spend a lot of money in this store, and that is with and without the credit card. This is the only thing stopping me from securing my mortgage and I have made time payments since 2018. I am just asking for the same courtesy granted to other customers. And if I can't get any help, there is no need for me to keep this credit card or make purchases from this company. I appreciate and look forward to a response.
Consumer complaint received 2020-02-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: WLCC (FL)

On XX/XX/2020 I ( the consumer ) XXXX XXXX XXXX ( XXXX ) sent via email a ACH Debit Authorization Revocation Notice on Loan ID : XXXX to XXXX XXXX XXXX ( XXXX ).  Confirmation of receipt of documented request was confirmed by XXXX XXXX XXXX as received on. The company proceeded to debit my XXXX XXXX XXXX account # ( ending in XXXX ). A email was sent to the company requesting reversal of debit charged. XXXX XXXX XXXX has not complied with request to reverse debit.
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

While Attending XXXX XXXX University back in XX/XX/XXXX XXXX I was using what's called a G.I. Bill from the military to go to school. All of sudden the G.I. Bill stopped paying and never closed outstanding student loans.
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Began in XX/XX/XXXX, fraud for {$790.00} on Capital One Master card, XXXX, also affected my checking acct. end. XXXX. Made credit card pymt via my Capone debit card on XX/XX/XXXX for {$200.00}. Internal banking error on this date. Instead of my debit card, unknown Visa card XXXX, charged for my payment. Upon discovery by bank, they debited my Master Card, above limit, debited my checking acct., overdrawing it. 
All my communication, two years to them resolved nothing until I submitted a judgment against them. Legal dept called, offered me approx {$1500.00}. to settle ; which I did in XXXX. Rec 'd cashier check. 
Fact Cap One reports 'Charge Off ' on Mastercard for high amount, will not remove it with my credit report dispute, has ruined my credit. I explain all, they have no 'knowledge ' of settlement, or acknowledge proof I send.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (NM)

Ive tried a number of times to get my account unlocked and they keep messing me up and telling me stupid stuff. Which is Navy Federal Credit union in XXXX. They have stolen over a XXXX dollars from me and I think they are laundering money through my account some how. I have filed a complaint against them before and still nothing...