davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
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: EQUIFAX, INC. (NC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-02-21
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. (NY)

XXXX XXXX XXXX  credit card frivolously and capriciously reported in inaccurate and misrepresentation of facts on account been late for two prevailing months as identified as a violation of Federal Truth In credit reporting, billing, and disclosures as a matter of law. 

Payments were made timely with the credit card company by account owner and holder. XXXX XXXX credit card company desperately transferred a full payment made by an account holder to XXXX in bad faith with misrepresentation or error created by them in processing the payments that resulted in accurate reporting of a late. 

To address these concerns, a letter was sent by XXXX XXXX credit card company last month as an apology and credit the account. And, was doing what is right to correct capricious billing practices. 

This account is not my account, nor account holder as authorized person to help resolve issues created unfairly by the bank actions. 

Inconclusion, this is not my account and non account holder. The person responsible told them to remove it immediately. The bank bank has failed to act in good faith by continuing to report inaccurate information that caused financial injuries.
Consumer complaint received 2020-01-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: SYNCHRONY FINANCIAL (VA)

On XX/XX/2020, I received an email from GE Capital regarding the alleged debt, in the amount of {$980.00}, for an online payday loan. The email stated my SSN was placed on hold by the US Government and I needed to resolve the matter. In addition, it listed four allegations the XXXX XXXX XXXX XXXX would take against me if not resolved within the specified timeframe. The email further urged me to inform my employer of what was done and the consequences once the case was executed in my name. Not only did it request I inform my employer, it stated that they could report this information to my employer, the FBI, and FTC. It gave me 48 hours to make contact with them, however, provided no telephone number or address for contact. Lastly, the email mentioned the United States of Attorney and lists the sender as the Senior Investigation Officer for Department of Law and Enforcement. 

I am unaware as to what this debt is or the time period it is said to have occurred. This is the only email I have received regarding this " debt '', and to my knowledge, I have not received any telephone calls. I responded via email, as this was the only form of communication given.
Consumer complaint received 2022-12-27
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WESBANCO BANK, INC. (NC)

I received a bank statement from WesBanco Bank Inc, which I did not open. My last name is spelled wrong, my house number is wrong ; the city I live in is wrong. The account has a XXXX balance ; however, clearly someone has some of my identifying information. And I don't want the account to be used fraudulently because I did not open it.
Consumer complaint received 2022-12-27
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)

The following accounts are incorrect and they are adversely affecting my livelihood. 

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 2022-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-01-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (FL)

The original mortgage ( Huntington National Bank ) was sold on XX/XX/2004 the lender has sold servicing rights to the loan to another company to service the loan.. Huntington National Bank has not release or transfer the account information to the new servicer.
Consumer complaint received 2020-01-13
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: Experian Information Solutions Inc. (SC)

The following accounts does not belong to me and has already been removed from my other credit reports : XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- I have insurance and claims would have been filed with my insurance Experian is reporting outdated inquires on my credit report there were suppose to be removed in 2018 below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loans I have inquires on my report that I did not authorize below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/2019 I received an email alert that there was suspicious account activity on my HSBC checking account, which I opened about a month prior. I had never received my debit card nor any subsequent mail until I realized on that day ( XX/XX/XXXX ) after checking online that my account had multiple unauthorized withdrawals made for the past month without any notice given to me. I immediately called their HSBC Security Center that night when I checked my emails, which I was later directed to call their HSBC Fraud Investigations to open a case. This was the beginning of my ordeal. 

I had submitted my form to have a refund of {$1500.00} from unauthorized withdrawals and {$22.00} from ATM fees, but that initial mail was not received through mail, so I had submit a scan of another form for those amounts. I had already submitted a police report online, and then later again in person after instructed by my HSBC investigator, XXXX XXXX. For the next several months no progress has been made and I had tried to contact my investigator multiple times ; every time someone else picks up the phone, promises me that XXXX will call back as they send an internal email to him, but for 3 consecutive months he has NEVER called back. I have had 26 calls with their office between XX/XX/XXXX to XX/XX/XXXX and I am left in the dark, having to put up with a range of disrespectful representatives, tons of distress, and now monthly maintenance fees, which now total to {$60.00} ( {$15.00} charged per month ). At one point a representative railed at me and decided to deny my claim on the spot, even though that person knew little about my case. I never made those withdrawals because I never even received my debit card! 

The case still remains open, but I strongly believe that HSBC is trying to wait me out and want me to give up, or at least wait until my checking account reaches to {$0.00}. I am reaching out to the CFPB because there is injustice, waste, and total disregard for their HSBC customers within the fraud department of HSBC by making me suffer for the past half year.
Consumer complaint received 2023-05-24
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. (TX)

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 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 2018-01-06
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: COMMUNITY CHOICE FINANCIAL, INC. (IN)

I have recently been trying to repair my credit situation. I have learned that the list of company or banks have put a hard inquiry on my credit. I know this inquiry to be false because the date and companies list below i have NO knowledge of applying or giving my consent to any of the below companies. I have been working in XXXX for the past few years and currently still here in XXXX. I 'm wanting to get these hard inquiries off my credit report. I have tried calling the companies with phone number listed. But I havent had much luck getting though by phone due to the remote area I 'm working in. 

please let me know if you can assist me with getting these item removed from my credit report. 


XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, IL XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX CXXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXL XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Consumer complaint received 2023-05-15
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SANTANDER HOLDINGS USA, INC. (IL)

I had a repossession on my credit report. They told me if I pay it in full they would take it off so I gave them {$7000.00} almost 6 months ago and its still on my credit report.
Consumer complaint received 2022-12-21
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. (CA)

On XX/XX/XXXX I submitted a dispute to Equifax. In this dispute, I asked Equifax to remove XXXX XXXX Account Number Ending in XXXX  because the information was inaccurate. My dispute stated the date of first delinquency was incorrect and that the account was reporting past its statue of limitation for credit reporting. XXXX XXXX is reporting a time-barred account. On XXXX  Equifax responded to my complaint stating the information had been verified as correct. Equifax did NOT conduct a reasonable investigation and the investigation result details clearly show that. In the Equifax response I received, Equifax is reporting the date of first delinquency being XX/XX/XXXX. They are also reporting that the account was opened on XX/XX/XXXX. There is no way possible for an account to be delinquent before its even opened. For Equifax to show this in their investigation results displays they have not conducted an investigation and didnt bother reviewing the information. This is willful non-compliance and also a violation of my rights under the FCRA. This account needs to be deleted immediately. Ive attached the investigation results in this complaint, highlighting the issues mentioned above.
Consumer complaint received 2022-02-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bull City Financial Solutions, Inc (OK)

Repeadly calling me, and nobody will be on the line for several seconds after I answer, then they ask for someone who is not the owner of the phone. I tell them this, ask them not to call again, abd then I get another call. Eventually they must change their company name because they just keep doing the same thing from different numbers, some of the times I can not even get a business name from the people.. i can hardly even you my phone they call so often.
Consumer complaint received 2023-05-15
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: Paramount GR Holdings, LLC (DE)

I Tend to pay my bills early or on-time regardless I make sure my bills are paid but recently for some unknown reason and with out any explanation, i receive reports in my email that my credit score dropped with out any explanation what so ever. I went from a very high credit score and lost almost half of it in just 2 months. My score is like my life i really hope i can get info on how exactly i lost so much.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: PNC Bank N.A. (PA)

PNC is reporting incorrect information to XXXX. My report shows the wrong closure date, phone numbers that are not associated with me, previous account status as being overdrawn and driver 's license ID that doesn't belong to me
Consumer complaint received 2023-05-15
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

capital one is not in compliance with the truth in lending act and the fair credit reporting act. 
they are in many violations pursuant to federal law company policy does not trump federal law
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT DO NOT BELONG TO ME. THEY ARE FRAUDULENT AND NEED TO BE REMOVED FROM CREDIT REPORT. PLEASE REMOVE ACCOUNTS. I HAVE SPOKE TO THE CREDITORS AND THEY HAVE NOT DONE ABSOLUTELY NOTHING. ITS BEEN OVER 6 MONTHS PLUS AND NO RESPONSE. MY INFORMATION IS REPORTING INCORRECTLY ON EACH BUREAU.
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (WA)

I saw that my credit score had gone down. I got a copy of my credit report and found an account opened with {$7300.00} in charges. The account was with GS Bank USA XXXX XXXX. I filed a complaint with XXXX and after their short review they said Goldmansac said that they followed their protocol and that was it. I tried to call the bank 's fraud division at ( XXXX ) XXXX where no one is available and their voice mailbox is full. I tried the other number I have for the bank at ( XXXX ) XXXX and the voice recording asks to enter who you want to talk to, and then goes dead. I did not open this account, have never received a bill or any kind of statement. Looking at the XXXX credit report, it looks like whoever opened this account made two {$74.00} payments and failed to make the XXXX payment. This is very not much fun. I hope that you can help. I only have the last for numbers for the credit card which are XXXX.
Consumer complaint received 2023-07-06
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: EQUIFAX, INC. (GA)

in accordance with the fair credit reporting act XXXX  account # 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.
Consumer complaint received 2022-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NY)

Have not received my 1098 for 2021 - loan was sold by lender to XXXX XXXX in XX/XX/2021. I have XXXX 1098 but never received the LoanDepot.com 1098. 
Called 2 weeks ago to request duplicate. Was told by customer service rep it would be sent out same day. Still have not received anything. Can no longer login as once loan was sold they removed my ID from their online system.
Consumer complaint received 2024-03-14
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. (TX)

Without fail, I've maintained timely payments on this account, ensuring they never lapse into overdue status. I'm puzzled by the reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections ought to be made.
Consumer complaint received 2020-01-13
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. (NJ)

My credit report says late XX/XX/2019. This has caused me to be denied a mortgage and to refi my loans to pay off my debt. I had my account setup for automatic payments. Please I need my 30 days late update to never late for XX/XX/2019. Please may god bless you.
Consumer complaint received 2024-03-11
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I made a purchase/service with XXXX on XX/XX/2023 in the sum of $ XXXX, however for whatever reason, the merchant account was frozen or blocked. So I received a refund on XX/XX/2023 for the same amount as above, and the merchant bank charged me $ XXXX, again on XX/XX/2023. So I filed a dispute over this issue on XX/XX/2023, and Capital One credited my account with $ XXXX. I reached out the merchant regarding this on XX/XX/2023 and they agreed to approve the dispute once Capital One bank reaches them regarding this, but Capital One never reached them and also took away the credited sum of $ XXXX from my account on XX/XX/2023 and closed the dispute. I never received my $ XXXX refund from the merchant or Capital One if it was received by the retailer. I have included some documents from Capital One, they have sent me certain form to fill out and sign, which I have already completed but still they were keep asking for additional information related to the purchase, and I explained what I knew and what happened with the transaction several times, but they were not resolved by Capital One, and my dispute was closed and they stated that I didn't provide the requested information. Even after the dispute was closed I reached the fraudulent team manager and explained the whole scenario and she confirmed that they received enough information on this dispute but they stated that they can't reopen the closed dispute and she will work on this in backend to resolve it but never heard back again from them. Capital One never reached my Merchant to resolve this issue, instead they are asking Merchant to approve the dispute without reaching them and asking to resolve with Merchant when the issue is with Capital One. I followed up with the merchant, and he provided me with certain documents from his bank, XXXX XXXX. I will be attaching to this case. 

Actions taken from my side : I reached out to my merchant regarding this issue and they confirmed over the email that the issue was on the XXXX XXXX bank account and they will approve the dispute once the Capital One reaches them to resolve it. But Capital One never reached the Merchant and when I requested them to reach the merchant, they were reluctant to do so.
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX  XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2023-05-15
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. (VA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2020-01-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I've tried many times to settle debts with Rash Curtis and Associates but they will not settle for any amount and continue to report negatively to my credit monthly. I ask to settle the acts reporting on my credit in XX/XX/2019 but they will only settle all debts including outdated debts from over 7 years ago.