davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
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. (NC)

the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 
complete violation of the law 15.U.S. Code 1681 b and c
Consumer complaint received 2023-02-24
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (HI)

On XX/XX/23, my credit card with another company was taking out a sum more than I requested, which would have left me without any money in my account. I spoke with the credit card company to alert them ( I thought I had cancelled the transaction but it still went through ). In another attempt to prevent problems, I contacted Wells Fargo ( WF ) and put a stop payment on the transaction and was assured it was for that transaction only. As I attempted to make payments from WF, they were continually being declined. I've made four attempts in less than one month to pay my account. A payment I scheduled to take the place of the other payment was also canceled, so it was really 5 attempts that were denied. It wasn't until today that I was told that WF put a stop payment on ALL payments to my credit card company. I was assured that this would only be for the one transaction. 

As a result, my CC company decided to close my account, which will reflect on my credit. At no point did WF ever reach out to me while this was happening to find what was going on and to see if they could help, nor did the decline texts ever say it was because they had placed a stop payment on the account. Had that been the case, I would have immediately reversed it. Now, my credit is in jeopardy, all because they did something I did NOT ask them to do. 
And not only is my card closed, I can no longer use it. Until now, I had never had a late card payment, which I've had the last 7 years.
Consumer complaint received 2019-06-29
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. (FL)

I BEEN A VICTIM OF IDENTITY THIEF. SOMEONE HAS GOTTEN HOLD TO MY INFORMATION AND HAS OPEN FRAUDULENT ACCOUNTS UNDER MY NAME I AM A XXXX 22 YEARS THAT DON'T UNDERSTAND WHY THIS IS HAPPENING TO ME PLEASE HELP ME RESOLVE THIS MATTER
Consumer complaint received 2023-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Within the week of XX/XX/2023, I got a mail from XXXX XXXX XXXX XXXX, offering I pay half ( {$1500.00} ) of a debt of ( {$3100.00} ) charged to a Capital One credit card. I called the capital one customer service to inform them that account was fraudulent. 
Within the week of XX/XX/2023, I received a mail stating that the company made an investigation and determined there was no sign of fraud. I called capital one customer service and was transferred to a supervisor who maintained the same claim. I requested the billing details and called their customer service to let them know they were defrauded. 
Within the week of XX/XX/2023, I received a letter from an another debt collector - XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX email them on XX/XX/2023. 
XX/XX/2023, I got a mail that Im being sued by Capital One. I filed XXXX answer on XX/XX/2023.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (IL)

After several written attempts to each credit bureau, I have not succeeded in getting my credit report accurate. Lately, I wrote in and called each credit bureau to dispute synchrony bank accounts on my credit report. Synchrony Bank continues to report balance and past due payments on my credit years after the account was sold to collections. Currently, after my last report, XXXX XXXX removed one of the accounts but not the others. XXXX and XXXX claimed to investigate and find the information to be correct. I have asked how the collections and the original account show past-due months or late payments and a balance. That is absolutely unfair. Once the original debt was sold, the account should be marked as closed with a XXXX balance, and the account should have a statement that the account was sold to collections. 

I should not have to continue to write in, call, etc. I have been affected by this for too many years after the fact and almost a year of continual disputes being sent to the credit bureaus.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2019-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC (TX)

AlliedInterstate sent me a letter stating that I owe XXXX XXXX {$160.00}. I moved out of the storage unit and swept it clean on the night XX/XX/19 at approx. XXXX. I do not owe this company any further rent. I have email confirmation that confirms my date of move out. 

AlliedInterstate is attempting to collect on a debt that is invalid.
Consumer complaint received 2023-09-10
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (OH)

On XX/XX/2023 I opened a line of credit with Net Credit. My first initial cash advance was for {$2500.00}. Only {$2200.00} of that was deposited as of XX/XX/2023. This represents a 10 % margin on the loan. The unfair aspect of this is that the {$250.00} fee is also added to your cash advance and charged interest. 
The disclosures for the total APR were not provided in a transparent or standard way consistent with the CARD Act or similar legislation. The company uses fairly complicated and possibly deceptive disclosures to hide how high the APR is for this product. Additionally, it appears finance charges are charged for cash advance fees. IE, they bill you not only for the fee, but interest on the fees itself. The disclosures are opaque and do not seem to provide a transparent understanding of the fee structure. Had I had known the APR would be so astronomically high, I would have never borrowed from these folks. Even competitors like XXXX offer similar products for substantially lower APRs. 
Moreover, they use 2 billing cycles in the same month to repay this loan. For one half month period, at a cash advance balance of {$3900.00} ( which includes fees they charged ), they charge {$200.00}. For one month, that's {$400.00}, close to 10 %. That would be an effective APR of 120 %. This is never disclosed clearly in their disclosures. Had I understood this earlier, I would have never borrowed from this company. These seem like violations of UDAAP.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (GA)

TO WHOM THIS MAY CONCERN I SEE WHERE MY PERSONAL INFORMATION WAS USE FOR CREDIT AND CAR LOAN THAT I DID NOT DO I HAVE PROOF I WAS LOCK UP AND MY IDENTITY WAS STOLEN.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2023-10-24
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/ one of my oldest accounts was closed due to inactivity which severely damaged my credit score. I never received anything that said they were going to close my account or that my account was in jeopardy of being closed due to inactivity or that they could close it due to inactivity. The only reason there was no inactivity is because it was during the Covid pandemic and things were really hard and I was struggling. I caught XXXX a couple times Ive lost people to XXXX, its just been a really hard last few years, I have worked very hard to get my credit score to where it is and because they close this account I lost XXXX points off my credit score, which really hurts and affects me. I was planning on buying a house and now Im not able to because its more difficult with a lower credit score and its taken me years to get my credit score to where it is. I called the credit card company to ask for anything thats says they were going to close it or that they could close it but they said that I should have gotten something after a year but its been 3 years that I havent gotten anything but they said were just now going to send me that information and they said theres nothing else that they could do but to call the credit bureau. I called the credit bureau and they told me the only thing I could do is call CFPB so this is where Im at now submitting a complaint to hopefully get this situation resolved because I dont think its fair that they can close an account without at least giving you a notice so you can have a chance to fix the situation before it happens or tell you when you get the credit card that your account could be closed due to inactivity before you get the credit card not after because the only reason I got the credit card was for that one purchase, had I been told I need to use it to keep it open I would of used it a little to keep it open.
Consumer complaint received 2023-10-24
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. (CT)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$21000.00}
Consumer complaint received 2021-04-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I already submitted problem report XXXX. After getting a response to this that my name had been changed, I tried to access my myEquifax account under the email XXXX. I was unable to do this so I called a representative. I discovered that it is possible that this email is attached to my son 's myEquifax account. After speaking with the representative, he tried to send me a link to reset my password. At this point, I do not know who owns the XXXX. To make matters much, much, much worse, the representative sent an email that XXXX XXXX 's email has been changed to XXXX ( no problem XXXX but then sent another email that XXXX XXXX 's email has been changed to XXXX. XXXX is not owned by either of us. This is very troubling because I did not authorize any change to XXXX XXXX 's account. This is a violation of his privacy. 

I spoke to XXXX, supervisor id XXXX. She could not help me with this problem. 
At this point, you XXXX XXXX XXXX XXXX and XXXX as account logins from your system. This is the only way that I can be assured that no one can access mine or my son 's information by using these logins. 

At this point, I never want to use the myEquifax system again and want absolutely no way that anyone can access our information by using logins XXXX or XXXX. I have attached the emails that were sent to me when speaking with your representative.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The company keeps reporting 99 days late with a loan from XXXX. I am not late and the accounts are paid in full. I disputed the information on the report and they still keep reporting false information. I have proof the accounts are paid in full.
Consumer complaint received 2019-08-07
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. (SC)

The following companies ran unauthorized credit inquiry on my credit report. Please remove asap as these are suspicious to me : XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX  and XXXX XXXX
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2019-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I have a lawyer the company is Mr. Cooper/Nationstar Mortgage and they sold my loan back and forth then sold my house without proper paperwork. Like many people in 5 other states I follow the same pattern to a tee. Why? How? When will this stop? Why am I going through this in Texas if California Oregon New York and other states won class action suits w the same pattern? Why??? I have a handicap first floor just for my disabled father ( who was in the reserves ) my husband, a veteran fought in 2 wars, XXXX year old XXXX high school at XXXX with hopefully an associates, and Im a XXXX XXXX .... broken hearted over this injustice and paying lawyers fees to defend me against these well known unethical mortgage companies from a different nation. They Obviously do not care about our nations laws nor do they wish to abide by them from the trajectory of their court cases. Please help me ... 
( XXXX ) XXXX Sincerely, XXXX XXXX
Consumer complaint received 2019-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (FL)

XXXX XXXX which was an original creditor stated that there was a balance on account which was close. The account was sent to Diversify collection agency which I disputed with XXXX  credit as being inaccurate and account was subsequently removed on XX/XX/XXXX report # XXXX. XXXX of XXXX the account was reported again on the credit by the same company for the same account which was already removed. I have contacted XXXX  who stated that they are unable to assist. Creditors should not be allowed to place the same item which was removed from the credit as a result of inaccuracies on the credit profile again
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST FOUNDATION INC. (FL)

On XX/XX/2023 I was performing account reconciliations and noticed that two checks were XXXX checks out of sequence and for larger amounts. I immediately called the local branch we deal with and the branch manager told me I should have noticed it and called it in within 24 hours of the occurrence, that there was nothing they could do about it or were willing to do and he hung up on me. So we visited the other local branch and the branch manager there told us she was reporting it to their fraud department but it may take a REAAAAALLLLLY long time to resolve it. That is unacceptable, but we went ahead and reported it to them and to the sheriff 's department. We have also reported to the FDIC, Florida AG, California Division of Finance, and Florida and were told to report to you by them. It has been 6 weeks or so since we reported the occurrence and upon checking in with the bank today, they have still told us there is no news and will not let us speak to their fraud division. I do not know that they are even doing anything about it. I think they are liars and it is probably from within the bank. I think they need to be investigated. I have no notice that it has been submitted to their fraud department except her word and she won't let me speak to them.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-10-24
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX  XX/XX/2023
Consumer complaint received 2024-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.