davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, I was approved for a personal XXXX  loan from XXXX. Under XXXX I made all on-time payments and at this time, this loan never was reported to the credit agencies as was the understanding from XXXX when I took out the loan. Also, there was no indication in the loan documents that this loan was going to be reported to the credit agencies. On XX/XX/XXXX, XXXX transferred ownership of the loans to XXXX XXXX due to XXXX going out of business. During this transfer, I lost track of the payment cycle as my automatic payment was canceled due to the transfer. In XX/XX/XXXX, I was informed that I missed payments and I worked with XXXX XXXX XXXX to settle the account which was now under the control of XXXX XXXX, which I was never informed of this transfer. The account was settled on XX/XX/XXXX and at this point had still not been reported to any credit agencies. In XX/XX/XXXX, after monitoring my credit, I noticed this account was now showing on my XXXX credit reports and thus had a negative effect. I have asked XXXX XXXX to remove the account from its reporting and they have replied they are obligated to report it. It seems detrimental to the consumer that XXXX XXXX only reported this account once it was determined to have a negative outcome. The lack of reporting also contributed to my delinquency for payments, as I used my credit report to track my outstanding loans. XXXX and XXXX XXXX did not report this account for 20 months and it only was reported when it had a negative effect on my credit. Also when reported, XXXX XXXX put the date of closing as XX/XX/XXXX and XX/XX/XXXX and not the date when the account was settled and paid off. This business seems very predatory in that it seems to only make reports to credit agencies when it is detrimental to the consumer.
Consumer complaint received 2020-11-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC (CA)

I did not apply for this loan, but the company, Mariner Finance, sent out " live '' check, that went cashed would be acceptance of the loan. I need cashed a check, but someone did. When I found out about this, I informed Mariner Finance. I filled out a police report and they were to investigate. But they put this on my credit with delinquent payments and now my credit score has went down. They were suppose to take this off my credit while they investigate, but they haven't.
Consumer complaint received 2024-03-05
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. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (SC)

My mortgage loan servicing company withdrew an unauthorized payment from my account on XX/XX/22 in the amount of {$1200.00}. This unauthrized withdrawal was made after I had already made a payment on XX/XX/22. I spoke to them today ( XX/XX/22 ), and the agent told me she was filing a complaint against the employee who made the unauthorized transaction, but that my complaint could take up to 14 days to process. 

This is fraudulent activity. 

The company : Specialized Loan Serv LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE (MN)

I have been receiving 6+ collection calls a day from Barclays . I did make a payment earlier this month and it stopped for a short time but a few days ago they started up again. Calls are happening anywhere from XXXX XXXX  to XXXX XXXX 7 days a week. From mid XX/XX/XXXX until early XX/XX/XXXXI logged almost 200 phone calls from them. No voicemails are left just repeated calls all day long.
Consumer complaint received 2019-11-17
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. (IL)

I disputed an Bankruptcy on my Credit File with Experian, and the ending results they admit to violating the Fair Credit Reporting Act. The information they received was incorrect and also obtained illegally from a third party.
Consumer complaint received 2020-11-10
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (WI)

Pioneer Credit Recovery is contacting all my family members telling them I gave them their information regarding my student loans I fell ill in XX/XX/XXXX and was on FMLA for a XXXX XXXX. I lost my employment XX/XX/XXXX due to the illness. I have been determined XXXX and started receiving benefits in XXXX. I am in the process of having my student loans forgiven due to my XXXX and long term prognosis. The applications were submitted to the US Department of Education
Consumer complaint received 2021-03-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HEARTLAND PAYMENT SYSTEMS INC (PA)

On XXXX I sent an ACH transfer of {$50.00} to the PA Lottery  from my bank. I talked with the bank, today, Monday XX/XX/21 and the bank tells me there is nothing wrong with the ACH transfer and the PA Lottery  received the transfer. My PA Lottery  account also shows the deposit was received. A collection company, Global Payment, XXXX called me on Monday XX/XX/21 claiming that the bank rejected my ACH transfer and I owe the collection company {$50.00} plus a {$35.00} fee. I refused to pay or send them any documents and gave no additional information as I do not owe the debt.
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX Open Date XX/XX/2010 Balance : {$7200.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. In 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capitol One is not keeping up with their fax that I sent with my driver 's license and Social Security Card that was needed and sent them these documents twice that were required. I need to know what the delay is and hold up. 

First fax was sent on XX/XX/2023 XXXX fax was sent XX/XX/2023 XXXX
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MN)

On XXXX XXXX, 2016 Equifax re-inserted a public record ( Chapter XXXX Bankruptcy Discharged ) to my credit report, I have not received notification of the re-inserted information as required by law. Equifax has violated the law and is required to remove this item from my report immediately. I just spoke with XXXX XXXX XXXX XXXX at Equifax that verified that this information was inserted without proper notification. If Equifax does not remove the item immediately I will follow a small claims.
Consumer complaint received 2023-03-15
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. (NY)

In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.XXXX XXXX XXXX Open Date XX/XX/2010 Balance : {$7200.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. In 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-10
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. (AR)

Experian has another person 's information on my credit report including another persons SSN. 

When I tried to get electricity set up at my new home, the electric company sent me a copy of the report from the soft credit check that showed no records found for my SSN. 

So now according to Experian, my SSN does not exist.
Consumer complaint received 2019-04-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd. (TX)

*CBA Violated/failed to respond per Texas finance 392.202. 
*Requested Debt Validation per Texas Finance code 392.202 on XX/XX/2019 and CBA treated my request as FDCPA ( The Fair Debt Collection Practices Act ).

Complaints, As of today XX/XX/19 CBA violated Texas Finance Code 392.202 1. CBA didn't provide the correct validation 2. Hasn't removed trade lines from all 3 credit bureau 's reports.

Please see the attachment for proof.
Consumer complaint received 2020-11-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I tried to establish an online banking account. After 2 attempts with the help of customer support XXXX phone ), I was able to access my acct., only to discover that Cap. 1 had CHANGED the name of my account, without informing me, thus shoing my previous account : Essential savings, as closed. When I contacted them ( by phone ), they told me my account was changed to CONVENIENCE SAVINGS, and I would have to establish a new account online. When I attempted to do that, I was told by the representative that I had to wait weeks to be able to access my account, because my phone number had to be verified. As I signed in, my phone number, which was always the same, automatically shows up in the sign-in page, but will not allow me access. I was told I had to wait weeks for the bank to verify my phone number that was on file for 3 YEARS to be able to access an online account. I am XXXX years old, and living in XXXX XXXX, having left XXXX  abruptly after almost being robbed in my neighborhood. I told the rep., and she couldn't care less. There are NO Cap.1 branches near me, and I am only able to access {$800.00} a day, and have no way to pay my bills. I would be greatful for any help. Thank you
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2024-03-05
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2022-12-14
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. (AL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2015-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IA)

In XXXX of 2015 I paid in full XXXX student loans I had with XXXX XXXX XXXX. 
On XXXX XXXX, 2015, I received a credit report from Equifax noting these loans were paid in full and no negative information was reported on these account. 
On XXXX XXXX, 2015, I received a noticed that negative information had appeared on my Equifax credit report. The negative information according to Equifax was reported by XXXX XXXX XXXX. 
I contacted XXXX XXXX XXXX who advised they had never reported negative information to Equifax reference my student loans. 
I contacted Equifax via telephone and correspondence reference the information received from XXXX XXXX XXXX and Equifax refused to remove the negative information from my credit report. 
I have included copies of my Equifax credit report from XXXX XXXX and XXXX, along with other various documents which show their negative entries on my XXXX accounts. 
I have also included correspondence from XXXX XXXX XXXX verifying my student loans were never in a late status nor reported as a late status. 
In addition I have also included a copy of all payments made on my XXXX XXXX XXXX loan accounts which also prove I never made a late payment on these account. 
Despite all of this information from the creditor itself, Equifax refuses to remove the false information they placed on my account. 

Any help or assistance with the tactics being used by Equifax is appreciated.
Consumer complaint received 2022-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Resolution Corporation (AR)

XXXX XXXX XXXX XXXX has broken the law UNTIL YOU CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE XXXX XXXXXXXX XXXX XXXX MY REQUEST TO RELEASE INFORMATION TO YOU ACCOUNT RESOLUTION CORPORATION I DEMAND YOU DELETE THE FOLLOWING ACCOUNT ( XXXX ) Under the health insurance Portability and Accountability Act of 1996 ( HIPPA ) I reserve the right to protect the privacy of my personal information and medical records from all third-party reporting COPORATIONS. 

Please send above requested information to the address above. 

This complaint is a request for validation and I request full documentation containing all information you received from the service provider of this alleged debt.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OK)

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Oklahoma XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX and I am writing to dispute several negative items that have been reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate and outdated information be removed from my credit report. 

Firstly, I would like to dispute the following account : XXXX XXXX XXXX  XXXX XXXX, Account Number : XXXX. I have noticed that the same incorrect information is being reported, and nothing has been updated. Therefore, I request that you remove the incorrect late payments from this account as soon as possible. 

Secondly, I am disputing the account : XXXX XXXX XXXX XXXX, Account Number : XXXX. I am interested to know how you are always able to verify something that never actually happened. I dont remember ever being late with any of my payments. Therefore, I request that you remove this harmful incorrect data immediately from my credit file. 

Thirdly, I am disputing the account : XXXX XXXX Account Number : XXXX. Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. I request that you fix or delete this account from my report completely. 

Fourthly, I am disputing the account : XXXX, Account Number : XXXX. Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. I request that you fix or delete this account from my report completely. 

Fifthly, I am disputing the account : XXXX XXXX, Account Number : XXXX. Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. I request that you fix or delete this account from my report completely. 

Sixthly, I am disputing the account : XXXX, Account Number : XXXX. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Lastly, I am disputing the account : XXXX  XXXX XXXX, Account Number : XXXX. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

I respectfully request that you investigate these disputes in accordance with the FCRA and provide me with a written response. If you find that any of the information I have disputed is inaccurate, I request that you correct or delete it from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC. (TX)

On XX/XX/2023, I received a phone call from a XXXX XXXX of Frost Bank. Apparently, someone opened a bank account online in my name, using my personal information and details. After speaking with Frost Bank, it was confirmed this was a fraudulent transaction and I did not open an account with them. Frost Bank immediately closed the account, and advised that reach out and report the fraud events.
Consumer complaint received 2022-03-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC (MI)

Ive called multiple times about the extreme interest rate and told them I can not afford the payment. The payment amount and finance fees were not disclosed to me upon applying. Ive paid all my payments on time and they only apply a small amount. The interest is over 600 % and is predatory lending. I have been sent emails saying they would reduce my interest rate based on timely payment but when I called they couldnt offer it. This company has violated UDDAP policies.