davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
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: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXXXXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXXXXXX XXXX XXXX  and myself! Please send the proper validation
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : - XXXX || Date of inquiry : XX/XX/2023 - XXXX XXXX  XXXX Date of inquiry : XX/XX/2023
Consumer complaint received 2023-02-11
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. (TX)

I am making this complaint myself. please do not close this complaint please submit it to the credit reporting agencies. I noticed accounts that do not belong to me on my credit report and i called the companies and i did not authorize these accounts nor did I benefit from them im any way.
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (SC)

I was sent an email from US Bank to sign up for a merchant services account and spend a certain amount {$50.00} or have a transaction within 60 days and I would get a {$500.00} bonus deposited into my account. I met all of the requirements and the deadline has long passed. I contacted the CS for US Bank and was told I would get an email nearly a month ago as a follow-up ... ..nothing came. I then called and spoke to a CS rep who apologized and told me I would get a follow-up email nearly three weeks ago, which has never come. I feel like this bank is defrauding me currently. I have been getting charged monthly fees on this account since signing up for this service as well.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681 sections 602A states HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 sections 604 A sections 2 : It also states a consumer reporting agency CAN NOT furnish an account without my written instructions.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank (PA)

I have been paying off a card that have been unable to use or close. I received my First Progress Card in XX/XX/XXXX. I misplaced my card in XX/XX/XXXX after moving from my apartment, soI decided to close my account. I never made a single transaction. My credit utilization has gone up without me ever using the card. I do not remember the card number, except for the last four digits. This is because First Progress takes the monthly payment from the card itself, which is about 1/4th of the full credit limit, and not directly from my bank account, which makes the card virtually unusable if I want to remain under 30 % credit usage. I originally set up auto-payments to withdraw from my bank account to pay my card off. 

First Progress only allows contact to their representatives over the phone, so I called the number on their website. Nobody answered. I called multiple times over the course of XXXX, but still nothing. First Progress does not communicate back and forth with customers through email ; all the emails are " no reply. '' I stopped automatic withdrawals from my account, and I was charged a late fee, which dropped my credit score.

I have been paying off this unusable card that I am unable to close, with no reliable way of reaching out to First Progress.
Consumer complaint received 2023-03-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (PA)

I have been with bridge crest financial loan since XXXX, one car totaled out and since XXXX of XXXX I have been financing a XXXX XXXX XXXX, Yes it was overpriced, XXXX XXXX XXXX when I purchased it. At XXXX XXXX. 

Yes I have fallen behind and yes I have made up for my back payments, including the 3 agreements Ive signed. With the 3-month payments there is no way I should still be in the rears of any kind and being charged those interest rates. The problem is, for the past 3 years XXXX XXXX has been charging me 3x monthly on a biweekly payment plan when I have been paying monthly sometime in XXXX. On many occasions I have inquired about why and they keep giving me the run around, XXXX me the option. 

This last date XXXX I brought it to operators attention and I also explained that they are charging me bi weekly when I am paying monthly and it is keeping me in the rears. I was so upset because I have been over this with them many time, I just said I would write you guys and let you handle it.

This has continued to hinders my on time payments, my credit score and from getting any type of credit. I believe this is malicious against a XXXX American Women since we are the first to be swindled in the auto motive industry and I have asked repeatedly over the years and argued with them about it.

XXXX
Consumer complaint received 2023-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (NY)

XXXX Phone and Account was initial bill. Service was terminated at time of merge with XXXX 

Paid for phone two times at {$80.00} to avoid debt collection. Spoke to XXXX and service bill was paid in full. 

I have tried everything to work with them and now another company, Source Receivables Management has come looking for the same money already paid to XXXX XXXX
Consumer complaint received 2023-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

I made a payment to Nelnet, my student loan servicer, on XX/XX/XXXX in the amount of {$9400.00}. I attempted to initiate a refund for this amount in XXXX of XXXX and have still not received it as of today, XX/XX/XXXX. I have called multiple times requesting updates or attempting to restart the process only to be told 'the process is still taking place ' with no other detail. The current timeline of 3+months well exceeds the 4-6 weeks I was originally quoted and at this point the actions of the student loan servicer appear to be fraudulent.
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (AR)

I applied for credit card thru XXXX XXXX XXXX. I never received card I went in XXXX paid {$100.00} in cash on credit card pmt. They never gave me account number. I have called multiple times and multiple numbers. Each time being told they don't know why I haven't received my card. Or statements.. I have not been able to make payments on my account due to no statements being sent to me.. Someone called from a collection agency I explained the situation and told what I was told each time. They told me I could make a payment to them on it.. I told them once I was mailed a bill with proof of information I would pay but not until. I have no idea where my money would be going or if this was even a legitimate call. Problem has still not been solved and now it's on my credit report.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : - XXXX || Date of inquiry : XX/XX/year> - XXXX XXXX XXXX Date of inquiry : XX/XX/year>
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY (NY)

I opened a TD Bank credit card account on the premise that, as a promotional offer, I would enjoy a 0 % APR on purchases for the first 15 billing cycles. 

To my surprise, TD Bank charged me interest expenses on my outstanding balance as of the second billing cycle. 

I called cusotmer service to understand the interest expenses charged to my account, and the customer representative told me that the promotional offer include a 0 % APR on balance transfers. However, the APR on purchases is 24 % .I received the promotion via regular mail, so I am not being able to show definitive proof of TD Bank 's fraudalent practices. 

Followign my conversation with the customer representative at TD Bannk, it seems that TD Bank is trying to attract customers by saliently promoting a 0 % APR, without being explicit about the fact that the promo does not apply to regular purchases. I recommend the CFPB to require financial institutions to more saliently detail their APR promos.
Consumer complaint received 2023-03-06
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-05
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: Early Warning Services, LLC (LA)

I have Police reports i have contacted these credit reporting agencies and told them what ive been through in 2015 i was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i had no lawyer and received XXXX XXXX years in XXXX while he got XXXX see im tired of being used buy the system i filed a report on my identity theft and i want this all off my reports
Consumer complaint received 2023-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (IL)

While attempting to make a large purchase, it was brought to my attention a number of fraudulent accounts on my credit report. I have tried numerous times through disputes via XXXX  to resolve the matter and have gotten nowhere. 

Affirm Inc . 
XX/XX/XXXX, {$430.00} XX/XX/XXXX, {$260.00} XX/XX/XXXX, {$400.00} XX/XX/XXXX, {$63.00} XX/XX/XXXX, {$420.00} XX/XX/XXXX, {$13.00} XX/XX/XXXX, {$73.00} XX/XX/XXXX {$45.00} XX/XX/XXXX XXXX XXXX, {$100.00} XXXX XXXX XXXX XXXX$180.00}
Consumer complaint received 2023-01-20
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. (AL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX 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 an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-25
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. (FL)

This complaint is in regards to a public record that i didnt give written consent to be provided on my consumer report. The public record i am referring to is a XXXX XXXX BANKRUPTCY which was dismissed. I am aware that this a form of identity theft and a violation of my consumer rights!
Consumer complaint received 2023-03-07
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report ''. I've already disputed these items with the bureaus but they did not remove them, nor prove validation. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-10-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (TX)

I filed a complaint on XX/XX/2023 on this same company for stealing my identity from XXXX. I received a COLLECTION LETTER in XX/XX/2023 I did not agree to a contract with either of these entities. Credit Management closed this matter earlier this year and this is the second time they are sending me a letter dated XX/XX/2023, received today.
Consumer complaint received 2023-03-06
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: SYNCHRONY FINANCIAL (MI)

In XXXX XXXX, during a review of my PayPal account information, I identified multiple transactions I did not make, nor did I receive any product ( s ) or service ( s ) relating to any of these transactions. I immediately disputed these charges by submitting an online dispute. In my XXXX attempt, I chose to identify these transactions as fraudulent. On XXXX I contacted Customer Service. To my surprise, I was told by the agent that my account address had recently been changed, my email address was changed, and my phone number had been changed as well. As I did not initiate any of these changes, I requested and was advised my account would be blocked/ restricted. This is Identity Theft! Regarding my first Case # XXXX dispute, when PayPal closed the dispute, they determined that certain transactions werent unauthorized and hence couldnt be covered by XXXX XXXX XXXX. I contacted and was advised by Customer Service I would be better served if I changed the reason for the dispute ( XXXX ) to I did not receive any product or service ( XXXX ). ( True statement. ) The XXXX system would not allow me to include the rejected transactions in my Case Dispute # XXXX, so I decided to dispute these in a different manner. Dispute # XXXX then consisted of XXXX items. from XXXX XXXX. Upon completion of the investigation, the dispute was found in my favor, thus the funds were refunded. The other transactions being those deemed to be ineligible by PayPal. In a dispute letter I submitted to PayPal / SYNCB on XX/XX/XXXX, I rejected their " ineligible '' premise and utilized my rights under the Fair Credit Reporting Act sec 609 ( e ) to help me better understand the details surrounding these questionable changes/ transactions. I requested all transaction records as I hope this new information would help determine the identity of the person or persons that actually DID make the transactions and was, in fact, the benefactor of those products/ services. I have continued to make monthly payments for the charges I actually made and accept full responsibility for those. That ends today as I have paid off them off. The balance remaining for the unauthorized purchases remains at {$830.00}, which has officially been disputed. To date, XX/XX/XXXX, I have not received any correspondence or notice from XXXX XXXX XXXX! Consequently, I have submitted a XXXX letter for a status update. I am also submitting this information to your group.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

This complaint is in regards to a public record that i didnt give written consent to be provided on my consumer report. The public record i am referring to is a XXXX XXXX BANKRUPTCY which was dismissed. I am aware that this a form of identity theft and a violation of my consumer rights!
Consumer complaint received 2023-03-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (IA)

On XX/XX/XXXX I called for loan level information which included my loan number. US Bank despite asking for my name, address, zip code, telephone number, full social security number, they refused to provide the loan number over the phone. They also refused to send me a statement via email as they required an additional piece of information which was a card number which I did not have. When asked to speak with a manager the team member told me that they wouldn't be able to help me, and I had to advise the team member that refusing to allow me to speak to manager could be illegal. I did speak with a manager who advised me that a new statement would be mailed to me on XX/XX/XXXX but I still could not receive the loan number any other way. 

US Bank continued to encourage me to setup an online account however each time I did that it would error out. They've made it incredibly difficult for me to not only to access my loan but also difficult to pay my loan.
Consumer complaint received 2019-07-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

My husband has been in and out of the hospital for XXXX XXXX and we applied for loss mitigation and on our 2nd payment we were late by one day and our lender said because we didnt make the 2nd payments on time I would have to reapply for loss mitigation. I applied that day and later I recieved confirmation that within 30 days I would get a response which I didnt so I contacted my lender XX/XX/2019 and which was told I was denied. I never got a letter of denial in the mail on why I was denied and loancare will not help me with any other options.
Consumer complaint received 2023-02-28
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. (MD)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022.