davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

XXXX XXXX is XXXX XXXX Social Security XXXX XXXX XXXX Improperly They Used XXXX XXXX A Hiring/Recruiter To XXXX XXXX abiding citizens like myself Personal Info License and Social By asking to send screenshot pictures & they are applying for different credit applications causing hard inquiries on my credit report They Have Used My Info to apply For This Business card in my name than terminated my employment in just the third day of employment causing me to ask for police report Case # XXXX Company also uses XXXX for their communication to mistreat coworkers that are not XXXX they are not allowing equal opportunities with their established company instead farming all the money for themselves while stealing citizens identity XXXX XXXX XXXX I want American Express XXXX XXXX the XXXX hard inquiry that was not in written consent or knowledge of XXXX XXXX
Consumer complaint received 2023-05-06
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. (KY)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( XXXX XXXX, Experian, XXXX ) permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 


XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-24
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. (NV)

The series of request letters that have been sent to Trans Union has resulted in zero success. All letters have been mailed with copies of my ID and Social Security Card for verification. Ive sent a letter on XX/XX/2020 via certified mail and in my dispute letter, I've demanded to be sent copies of the original documents ( with my signature on them ) showing that the account on my credit report belongs to me. However, as the result of that investigation, they stated that they verified and updated the account but they have not met my demands by providing me with the original documents nor did they provide me with the names, addresses, and phone numbers of those contacted. Following this, on XX/XX/XXXX I sent a Method of Verification Request letter via certified mail regarding their response. I had addressed FCRA 611 ( a ) ( 6 ) ( b ( iii ), which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, Ive asked that they provide the following : 1. The description of the procedure used to determine the accuracy and completeness of the information. 2. Name, address, and telephone number of each person contacted regarding this alleged account. 3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 4. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

However, as a result, they have concluded the reinvestigation by stating that they have verified and updated the account without providing me with the names, addresses, and phone numbers of those contacted, or a copy of the original documents with my signature on them. It is clear that this is an automated response or e-Oscar verification method, which is unacceptable. I just dont understand how XXXX  has removed the account from my credit report while Trans Union refuses to even follow the simplest demands. Due to the information that I have and the frustrating process, I hope to resolve this issue effectively and efficiently.
Consumer complaint received 2020-03-24
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. (MI)

XXXX  and Experian have been told SEVERAL TIMES AND GIVEN THE COURT DOCUMENT of the approved dismissal of loans. XXXX sold the loans after the court dismissed the loans because they failed to answer the court document given by the judge. Experian knows this and will not correct the issues at hand even after receiving the court document more than once. Experian has not provided proof to me that the information from XXXX and XXXX is correct, never received any documentation from XXXX of XXXX  of there documentation BUT I DID PROVIDE TO EXPERIAN THAT XXXX AND XXXX IS INCORRECT! Can not get anyone on the phone at Experian to talk to and nothing has been fixed for over a year now. XXXX is showing on my Experian credit report 4 loans, I only had two and once again Experian for over a year has not corrected the issue at hand and I can not even get to the correct department as their phone computer does not have that option. XXXX knows those loans were closed out because XXXX failed to answer the court document, has agreed to this but still reports incorrectly. Experian needs to correct my credit report, thats all I am asking and it needs to stay corrected!
Consumer complaint received 2020-04-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Prime Choice Funding Inc. (FL)

I got a letter in mail from Www.primechoicefunding.com NMLS XXXX advertising that I was preselected for a very attractive mortgage refiningnancing rate. Upon my contact with the company I was assigned a mortgage officer XXXX XXXX to whom I submitted all required info. I mentioned to him that I work with another lender and already locked in at a certain rate and submitted their official loan estimate. XXXX run my credit history without notifying me first and then started making assumptions and giving me go around without giving me loan estimate or rejection even though I submitted all documentation and it satisfied all requirements. I have a full record of our email correspondence upon request.
Consumer complaint received 2020-04-02
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. (AR)

I decided to get my credit pulled due to a couple bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} XXXX  XXXX XXXX {$480.00} XXXX  XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$140.00} XXXX   XXXX XXXX {$190.00} XXXX  XXXX {$390.00} XXXX  XXXX {$120.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX/XXXX  XXXX {$220.00} XXXX XXXX  XXXX/ XXXX {$12000.00}
Consumer complaint received 2019-12-05
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. (UT)

XXXX XXXX # XXXX is past the Statute of Limitations in Nevada where I received the debt. I no longer owe this and it needs to be removed off of my credit report. I have been trying for some time to get it removed and nothing has been done.
Consumer complaint received 2024-02-25
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: Experian Information Solutions Inc. (PA)

I filled out a credit application for my business for a vehicle through enterprise. While asking them what the process was and what they needed the salesman explained that they have a unique situation with the lenders. He stated that because of the industry size they have enterprise pulls the credit profile and sends it to the banks. He said its beneficial to businesses owners since it would only be 1 pull of the credit and the bank they use get the credit report from enterprise so I will not have multiple inquiries ran on my report. 

Despite that promise, and the only reason I allow my credit to be ran, the banks without my authorization or consent pulled my credit anyway. This resulted in not just 1 inquiry but many. All these inquiries were dont in a fraudulent matter without my knowing
Consumer complaint received 2020-03-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

I contacted customer care at XXXX CMC Funding specialized loan servicing LLC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Because of the Cononavirus I'm out of work and wanted to see what I could do payment wise with the company because its a international problem. 
Basically they said I could go in a three month forbearance. At the end of the three months I would have to come up with the three months of mortgage in full up front. This is basically impossible if I'm not working. 

I was to receive information through the mail the next day that I haven't received yet. 
contacted them The XXXX or XXXX of XXXX.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (TX)

I have a loan with Freedom Mortgage ( loan number XXXX ), they reported me as delinquent when it is not. The account was marked as 30 day late for XXXX, XXXX and XXXX. In fact, I paid all, never late.
Consumer complaint received 2020-03-24
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)

Ftc violations XXXX : These lawsuits allege XXXXXXXX XXXX violated federal telecommunication laws prohibiting telemarketers and debt collection agencies from calling consumers ' cell phones using automatic dialing systems without their express consent. 
XXXX XXXX XXXX is being accused of pressuring customers into buying extended warranties that did not live up to the promises of sales staff. 

XXXX : CFPB Sues Nation 's Largest Student Loan Company XXXX for Failing Borrowers at Every Stage of Repayment XXXX, Formerly Part of XXXX XXXX, Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception XXXX XXXX XXXX XXXX XXXX XXXX was sued by the XXXX   XXXX XXXX today for ... after controversy erupted earlier this year over wireless carriers ' data ... The suit also named two other companies, XXXX XXXX XXXX, XXXX, XXXX and XXXX get sued for reportedly selling your ... All four major cellphone companies have just been hit with a ... wireless carriers allowed third parties to track Americans ' cellphones without consent. 
XXXX XXXX News of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that XXXX  agreed to pay up to {$700.00} million to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's XX/XX/2017 data breach, ... 
XXXX XXXX XXXX XXXX XX/XX/XXXX he Rule would prohibit anyone from engaging in fraud or deceit in wholesale petroleum markets or misleading any person by omitting important information from statements that might distort petroleum markets because of the omission.
Consumer complaint received 2020-04-02
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. (MA)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX  XXXX {$0.00} XXXX XXXX {$510.00} XXXX  XXXX {$600.00} XXXX   XXXX {$590.00} XXXX XXXX XXXX {$330.00} XXXX  XXXX {$9200.00} XXXX XXXX {$4000.00} XXXX  XXXX {$6000.00}
Consumer complaint received 2020-03-24
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. (SC)

I've sent in information in XXXX and waited for a reply. I should have had some kind of tracking with it because the company never replied. I'm am simply trying to resolve some issues with my credit report. They are addresses I never lived at, names I don't go by, and misspelling etc, with never accounts they I don't recall opening and that flat out are not mine. I had some documentation from Equifax showing that I was a victim of the data breach that they had a while back so I'm sure that where most of this stems from. I've reattached the information in this complaint.
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (IL)

XX/XX/XXXX - XX/XX/XXXX Fraudulent Transactions On My Card Were Made! I Called Early XX/XX/XXXX To File The Dispute And As I'm Speaking To The Agent She Adds In That There Were More Transactions Being Made That Same Morning ( Clueless )! I Had No Access To My Account Login So I Wasn't Able To See Anything Going On. I Found Out By Calling To Check My Balance And It Wasn't Near What It Should Have Been Because I Don't Use The Card! {$880.00} Was Spent -Netspend Pre-paid Card! They Said It Matched Previous Transactions But I DON'T USE THE CARD! They Told Me I Would Be Credited On Two Separate Occasions Providing Emotional Distress! Now They Closed The Dispute Saying No Error Was Made It Was Me! Please Help! Those Were My Savings.
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Regarding Account Number : XXXX Mortgage Company : XXXX XXXX/XXXX XXXX XXXX XXXX. XXXX  XXXX, XXXX, SC XXXX In XX/XX/2019 we were advised from our Mortgage Company XXXX   that our loan had been sold to XXXX XXXX/XXXX XXXX XXXX. Payment was made on XX/XX/XXXX to XXXX XXXX ( see attached bank statement ) upon attaining the info from XXXX as we still had no statement to pay from ( they were mailing to the rental address apparently ). We contacted XXXX XXXX upon our tenant receiving delinquent notice on their door in XXXX ( home is a rental ). XXXX XXXX says they do not show the payment and when I sent them proof by email from my bank account on XX/XX/XXXX the payment was miraculously put back in our bank account on XX/XX/XXXX ( see attached bank statement ). We have contacted XXXX XXXX 3 multiple times and mailed the requested bank statements as proof and they replied simply the matter is closed. My credit has been affected and they refuse to acknowledge receipt of the funds and correct the reporting.
Consumer complaint received 2020-03-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (AZ)

On XX/XX/XXXX I attempted to change the bank account on file with my auto loan at TD Auto Finance. The auto payment of {$590.00} was scheduled to come out the two days later on XX/XX/XXXX. In an attempt to avoid the payment debiting the previous account I made a one-time payment for {$600.00}. 

Unfortunately, I later learned that any changes that are made within 5 days of the scheduled auto-pay date can not be changed and will not be applied to the current payment date. 

In the end, both payments came out. The scheduled payment with the previous bank for {$590.00} was drafted and my {$600.00} payment was drafted from my new account. 

The problem began when I called TD Auto on XX/XX/XXXX to explain the {$600.00} payment was intended to make the XXXX payment. They explained it had been applied as a principal payment in addition to the scheduled payment. I explained the mistake and requested a refund for the additional {$600.00} payment I made. 

This is where the representative on the phone explained that it takes 19-30 days to issue a refund. 

I believe this is an excessive amount of time and they are taking advantage of consumers by having this excessive amount of processing time to benefit them. 

I believe they are using this excessive amount of time to their advantage to manipulate their customers into allowing TD Auto to keep their customer 's money so TD Auto can have the security of their customer 's next payment. 

We've all received refunds from companies before, including banks and the longest it should ever take it 5 business days. 

I ask that you look into this excessive amount of time because I believe it is wrong and there should be limits on the amount of time it takes a company, especially a bank to issue a refund to its customers. 

Thank you for looking into this matter and everything you do to protect consumers.
Consumer complaint received 2020-04-02
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. (AL)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge, I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report. 

XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX   XXXX {$1500.00} XXXX XXXX XXXX XXXX {$300.00} XXXX  XXXX {$440.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$170.00} XXXX   XXXX XXXX XXXX {$480.00} XXXX   XXXX {$110.00} XXXX XXXX XXXX XXXX {$590.00}
Consumer complaint received 2024-02-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (IL)

On XX/XX/year> credits resource management. Edit a collections account for the amount of XXXX XXXX XXXX XXXX XXXX dollars to my credit report period I have never had an account with this company..
Consumer complaint received 2020-04-02
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. (AL)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge, I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report. 

XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX   XXXX {$1500.00} XXXX XXXX XXXX XXXX {$300.00} XXXX  XXXX {$440.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$170.00} XXXX   XXXX XXXX XXXX {$480.00} XXXX   XXXX {$110.00} XXXX XXXX XXXX XXXX {$590.00}
Consumer complaint received 2020-04-02
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (NY)

GM FINANCIAL KEEPS REPORTING THAT I OWE THEMMONEY AND I DO NOT ... ... RIGHT NOW THEY CLAIN I OWE 2 MONTHS I HAVE PROOF ON MY STATEMENT THAT I PAID FROM MY ACCOUNT AT XXXX ... ALSO IN THEPAST THEY SENT EMAILS FOR THE BILL BUT WHEN THERE WAS A PROBLEM WITH MY CHECKINGACCOUNT LAST YEAR THEY SAID I TOLD THEM NO CONTACT WHICH IS NONSENSE AS THEY SEND ME A NOTICE TO PAY..I REPORTED THIS BUT YOU AT CFPB KEPT CALLING ANOTHER GM NOT THE GM THAT TAKES PAYMENTS FOR CAR LEASES IN XXXX XXXX TEXAS
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

My bank is 5th 3rd National Bank. I wrote a check ( # XXXX ) for {$100.00}. The check was dated XX/XX/XXXX. The check was cashed by the bank on XX/XX/XXXX. This was about 2 weeks after the 6 month validity period for the check. The check on its face says the check is void after 90 days. The bank confirmed the check was not valid, but they had still cashed it. The bank refused to refund the money. So I guess they would cash any void check ( eg. XXXX XXXX XXXX ).
Consumer complaint received 2020-04-02
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: CITIBANK, N.A. (TX)

A charge for {$43.00} was placed on my Citi card on XX/XX/XXXX. I only use this card for emergencies. I submitted a dispute to Citi. After the fraud investigation, the put the charge back on my card. I contacted Citi and they said the vendor informed them merchandise was delivered to my address. I told Citi this company that charged me is a fraudulent company. I never placed an order and I never received anything. Citi asked that I email them a written statement to dispute this charge again. I sent it on XX/XX/XXXXand have not heard back. I sent them a password reset used on the fraudulent companies website. The email came back in XXXX and I do not have an account with them. I contacted the fraudulent companies phone number and they say in their voicemail that they do not have a call center and that I had to email them for help. I did that, and of course there is no response since the company is fake. Citi has not taken appropriate actions to resolve this charge. I am a loyal customer and never missed a payment.