davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (GA)

I attempted to request a free copy of all 3 credit report ( XXXX, XXXX, and Experian ). I received my XXXX electronically, however the XXXX site displays technical difficulty and the Experian site states that the personal information provided is incorrect. I called the telephone number provided to order the reports by mail, providing the personal information requested on the phone, but received a letter in the mail stating that I did not provide enough information to received the report. I then mailed in the requested documents ( drivers license, utility bill, etc. ) and have yet to receive a response. 
I have tried requesting my reports several times throughout the year, both free and paid for, and the credit bureaus are making it increasingly more and more difficult to access the report online ( requiring you to sign up for credit monitoring to access the report ). 
I pull my free credit report each year and do not want to be required to sign up for unnecessary services to pay for a copy. I to date have been unable to get the free copy of my XXXX and Experian reports. Please advise on accessing reports as often as I choose without the monitoring service. Thank you. 
P.S. - I have a user ID and password for each bureau, which still does not allow me to pull a report without signing up for the monitoring service.
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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.

The letters are stated with items and issues.

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 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 information, other than records of convictions 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 2023-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grain Technology, Inc. (FL)

I was sent this from grain technology stating they are not a debt collector but a first party servicer mean while they are a third Party server -which are under FDCPA regulations and is license for it .. which is a debt collector and in fact send me a bill stating a owe a past due amount and refusing to verify the debt they claim Owe to them .... I sent a debt validation letter including cease and desist order.. to advised them to show where I signed and agree with these terms, the amount the sign agreement they are refusing to previously I was getting emailing stating to verify my identity and needed my social from them. 


This is what they sent me by email not writing At the outset, it is important to note that Grain is not a Debt Collector but rather the first-party servicer for creditor partners. By definition, creditors and first-party servicers are excluded from the debt validation requirements because they are not debt collectors under The Fair Debt Collection Practices Act ( FDCPA ) .As such, its important to note that under the FDCPA, debt validation is not required of a first-party servicer. 

To open an account through Grain, a user must first acknowledge and agree with the Grain Terms of Service, Partner Credit Agreement, and Account Opening Disclosure. After that, the user can refer to their Account Opening Disclosures and Credit Agreement at any time on the Grain Application or refer to the copies sent to the email address the account holder used to sign-up to Grain. 
During the life of the customers credit account, that account is serviced by Grain, including the provision of monthly statements and, through Grains technology, the payment of monthly minimum fees to the associated creditor partner. If the user misses a payment, they will receive notices via the Grain application and/or the email used at sign-up. In doing so, Grain is not a Debt Collector as defined under the FDCPA but rather a first-party servicer. 

If a customer seeks to report that an account was opened without their consent via identity theft or otherwise, a case is opened with Grains compliance department, and an investigation is conducted.
Consumer complaint received 2019-02-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

When I bought my house in XX/XX/XXXX it was through countrywide bank. When the housing market crashed the loan was bought by Bank of America. The way I got into my loan was no money down, no income verification. So the way countrywide did it was a conventional 30 year mortgage and a HELOC. In roughly XX/XX/XXXX Bank of America modified my conventional mortgage which temporarily helped but now I am trying to refinance and can't because only a minimal amount was going towards the principal. Between my conventional Mortgage and my HELOC I can't find anyone to refinance my loan due to contributing factors. I feel minimal help from Bank of America has put me in a financial bind.
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

Called Equifax XXXX  I can't get a score from MY XXXX or the XXXX app. They say I have 2 credit reports under my SSN and offer no fix. It's so difficult to get someone on the phone. It's basically impossible to fix.
Consumer complaint received 2019-09-19
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. (TX)

Equifax is incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

I have disputed inaccurate reporting of a Bankruptcy on my credit report with Equifax more than four times. I filed for Bankruptcy and was discharged XXXX. It should no longer be reporting on my credit report. I am continuously told they have verified this bankruptcy which can not be accurate. 

DISPUTES DATES AND RESULTS 1. XX/XX/XXXX - One account Deleted 2. XX/XX/XXXX - Four accounts Deleted 3. XX/XX/XXXX - Equifax initiated a Fraud Alert on my credit file. 
4. XX/XX/XXXX - One account Added back 5. XX/XX/XXXX - Request for Method of Verification
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-04-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE (TX)

XX/XX/XXXX, family member contacted by a company called XXXX XXXX. XXXX XXXX XXXX regarding a credit card from XXXX. Account has been written off a long time ago. She gave an amount and said she was calling in behalf of Bank of Barclays. sHe did give me a supposed balance due and a settlement amount figure. As I asked more about this debt, she became very rude. Then she said I had a choice to settle or go to court. I was being served if I didn't handle debt today. I was hung up on as I asked more details on who the debtor originally was with and can i have a contact number. I called back to speak with the person and she proceeded to tell me she was not up for discussion. All information was verified and they were going to serve me. Believing this is a collection company trying to strong arm me into paying them something because they bought the bad debt. i agreed to pay a settlement amount and set up payments. a form was sent via XXXX and i signed it thinking everything was legit and money would be drafted. today i received a called from unknown that says : This is XXXX with XXXX XXXX contacting me on a complaint case. She said i had discussed with them on arrangements of XXXX. ( I intentionally scheduled payments on paydays to make sure funds was in the account. ) She stated the case is now active again because the installment was declined. if i don't contact them by XXXX to settle, i will need to appear in court. they left a number of XXXX ext XXXX. This number does not even work. I have called multiple times from different phones. Now I think, I have been set up and this is a scam.
Consumer complaint received 2019-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp (AZ)

My Union Home mortgage escrow payment has been incorrect for two months. I submitted a request to have this reevaluated on XX/XX/2019 and was provided an incident number XXXX. The escrow is still incorrect. I have called multiple times for resolution and nothing has been done to fix the situation. Customer service is difficult to reach with hold times exceeding half an hour. Every time I speak with a service representative I am told they will get back to me in 5-7 business days. Nothing is being done.
Consumer complaint received 2019-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WA)

My x stopped me from making payments at XXXX XXXX at XXXX i already had a modification in place he changed my mail go my banking info.and personal info he refi.with out me knowing he got lines of credit he took my name off the note so i couldnt refi.it went to XXXX XXXX then he refied against n in XXXX XXXX XXXX found fraud on his paperwork the it went to shell point sevicing my fiance and i tryed to refi and was approved.my x was told by the court to sign off of the house he has not shell point refused my XXXX payment to pay off the house which i only owe XXXX the extra XXXX was a line of credit uses by my x.shell point wants to forclose at auction on XX/XX/XXXXto forgive the debt since shell point refused pat ment or my mod. I did througXX/XX/XXXX my home.ive spent over 10,000.00 on a attorny that didnt do anything.im trying to get a volenteer attorney to go to fed court
Consumer complaint received 2019-04-30
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. (FL)

THE DISPUTED ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME, THOSE ITEMS WERE INACCURATELY PLACED ON MY CREDIT FILE. PLEASE HAVE THOSE NEGATIVE ITEMS REMOVED OFF MY FILE.
Consumer complaint received 2019-04-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

We used the XXXX card to pay for 3 different dental procedures over the span of 2 years and we were given 18 mo. to pay off each procedure without incurring interest.

After we used the card for the first procedure, we set up auto-pay through our bank to ensure that amount would be paid in full prior to the conclusion of the 18 mo. promotional period ; however, XXXX began applying those payments to all 3 charges which cased the first to exceed the 18 mo. 

We contacted XXXX to request they waive the interest and we would pay the entire balance in full which they denied. Additionally, they were unable to assist us with questions regarding charges more than 1 year earlier, telling us we needed to write a letter to inquire about charges prior. 

The rep we spoke to even mentioned this " is like a credit card '' and as such, first dollar in should be paid, as is the case with every other credit card. XXXX prays on people with busy lives who rely on clear understanding up front. XXXX argues the terms of how payments are applied are noted in the terms however I see no such information noted in the terms on the reverse of the latest statement. 

BEWARE OF XXXX XXXX PREDATORY PRACTICES. IF YOU HAVE MORE THAN ONE PROCEDURE, CONTACT THEM TO ENSURE YOUR PAYMENTS ARE BEING APPLIED THE WAY YOU WANT/EXPECT.
Consumer complaint received 2019-04-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (IN)

I graduated from XXXX school and immediately consolidated my XXXX and XXXX loans through XXXX who then sold to Great Lakes and began making payments. I applied yearly for the income-driven repayment plan and was approved. I made payments on time every month through direct deposit for 7 years. My loans were never in deferment. 

I recently discovered that after 25 years my loans will not be forgiven because of making greater than XXXX a year. I have paid XXXX over the past 7 years and my principle is still the same as when I started and I've accumulated XXXX in unpaid interest. I feel misguided and taken advantage of. Essentially its been a 7 year and XXXX loss for me. I was under the understanding that if I make my income driven payments on time for 25 years that my student loans would be forgiven. 


Since discovering this I've refinanced through XXXX  at a lower interest rate. I had to combine my principle to the XXXX of interest and now I'm paying $ XXXX/month for 20 years. That XXXX of interest is now collecting interest again through my new plan. 


I didn't know that it was legal for a company to have you yearly apply for income-driven, be approved, and given a monthly payment that didn't cover the cost of interest. What would have happened after 25 years of payment when I thought my loans would be forgiven? Essentially I'd have the same principle I started with and XXXX of unpaid interest. I am so discouraged, disappointed in the guidance or lack thereof provided by Great Lakes.
Consumer complaint received 2024-03-06
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: EQUIFAX, INC. (GA)

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 2019-04-30
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)

Someone else has used my credit they have bought cars and got loans her name is XXXX XXXX XXXX. I have contacted you guys about this and my case was closed. I would like for you to take this things off my credit report please.
Consumer complaint received 2019-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One : On XX/XX/XXXX I got a call from Capital One advising that an application was opened in my name and they want to verify the information. 
On XX/XX/XXXX, I get the message from my phone and I call them back. 
The first thing I advise is that the name they said the application was opened with, is actually not my name. 
The agent asked for the last 4 digits of my social security number and I refuse to provide it. I ask her why would I continue to provide confidential information on an account that is not mine. The name on the account is not my name. I insist she must have another way to verify the account. 
She then looks to the city and state where the account was open and we discover that I do not live in that city/state ... and so again the account is not mine. Yet she is telling me that she can not close the account because I won't give her the last 4 digits of my social security number..but that she will instead notate the account that I called. 

When I am not pleased with this she transfers me to the fraud team only for that person to advise that he needs to transfer me to the application team because he can't see the application. So I transfer back to a different agent, clearly the account wasn't notated because she wants to start from the very beginning and now I am frustrated. In the end she does nothing. Says she can not help me. 
I don't understand the logic here. You called me and I am returning the call. We have verified that the name is not mine and the city/state is not mine and I am advising that I haven't opened an account. Why would you expect me to continue to reveal my personal information on an account that I am advising is not mine. I don't have an account with Capital One. I would not have an account as they serve people who are at the lower end of the credit rating scale.
Consumer complaint received 2019-04-01
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. (KY)

My name is XXXX XXXX. My date of birth is XX/XX/XXXX and my social is XXXX. I am a victim of identity theft and have already submitted a copy of my police report and identity theft report to both XXXX, TransUnion, and XXXX. They have not only ignored my request, but they have not removed these fraudulent items. They also allowed a fraudulent item they had removed years ago to reappear on my credit report. 

XXXX is reporting a fraudulent account with XXXX XXXX XXXX is reporting a fraudulent account with XXXX XXXX, XXXX  XXXX, and XXXX XXXX TransUnion is reporting XXXX XXXX reporting for XXXX XXXX
Consumer complaint received 2022-06-15
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX Us Dept of ED Acct # XXXX Us Dept of ED Acct # XXXX XXXX XXXX  Acct # XXXX has violated my rights. 
15 U.S.C 1681 SECTOPM 602 A. States I have the right to privacy.

15 U.S.C 1681 Sectopm 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-04-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

Company threatening to repossess the vehicle. Filed multiple complaints and retained an attorney. Notified usaa of the attorney. On Saturday usaa removed the debt from my credit report. Company is now refusing to talk to me about the removal from credit report. Willing to pay whats owed but I want an explanation first. Attorney said this is a good thing and good chance now its removal means no longer obligated to pay. I want an explanation before payment.