davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-23
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. (NH)

I am subscribed to many services that offer your credit scores and a breakdown of your credit reporting ; such as XXXX XXXX ; XXXX ; etc. The reports that are shown on those sites offer " Vantage Scores '' and " Fico Scores ''. On XXXX ; for example my " XXXX XXXX '' shows a score of XXXX. On XXXX XXXX and XXXX, I show a " Fico Score '' of XXXX for both Equifax and XXXX. The reports show that I have never missed a single payment ; I have credit history over seven years ( which apparently isn't good enough for the consumer credit bureaus ) ; and many accounts ( of which are student loans and apparently reflect negatively on your credit report, which is unfair and bogus ). 

Both of these scores are consistent and have been consistent over the past year. Just recently I had a " hard inquiry '' performed in order to see what I could afford if I sold my house and purchased a new one. My mortgage lender told me my score was XXXX, but was also very confused as to why it was so low, given my history. This score was the same for both Equifax and XXXX. I explained to him that I regularly check my report and scores and both are in the mid 700s. He explained that that question gets brought up a lot - and he isn't quite sure why there is a discrepancy in the information displayed to consumers as opposed to lenders. I've worked hard to build the credit I have and I find it misleading ; in poor taste ; and incredibly deceptive that these companies will display a higher score to consumers - but when inquiries are done, a different score is shown. I received the Credit Score report back from my mortgage lender and it sure enough showed a XXXX score from XXXX, with a bunch of derogatory things such as " too many consumer lending accounts ( student loans? Excuse me they are not too many consumer lending accounts ) '' ; or " length of established credit too short '' ( Seven years? ). I find this deceptive and frankly disgusting that you would display false information, or contradictory information to consumers, or to lenders, just to abide by whatever laws may have been published. I want this fixed, or I want an explanation as to why my credit score shows me XXXX through XXXX and XXXX XXXX ; but XXXX to lenders.
Consumer complaint received 2019-01-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CT)

A while back we had contacted Wells Fargo because we had fallen behind alittle not by much but my wife wasnt currently working so we decided to try to do a loan modification to lower our payment to make it easier for us, we spoke to someone on the phone and specifically asked can we still make payments during the process and they told us no which we didnt understand, but we went along with it thought we were starting the loan modification process, but every time we tried to contact someone the voicemail was full so you couldnt leave a message or when you would finally get a hold of someone that person doesnt work there anymore so we would have to submit more paperwork and start over again this happened twice. During the what we thought we were doing a loan modification we recieve a letter in the mail saying we have a law day and we werent even aware that we were in danger of facing foreclosure because we never received anything before that, so we hire a lawyer and stop the law day and finally get some where with the loan modification mind you now we are so far behind because they told us not to make a payment when we thought we were doing a loan modification the first time.. so everything is settled they say we can do a trial period which we made all three payments over the phone and the last payment I asked the lady what happens next she said you get something in the mail to sign so that is the permanent Payment so we said okay and then all of sudden we get a letter again saying we were never doing the trial and we never made payments and that they were persuing the foreclosure so now we are back at the beginning again but now we are more angry then we were before and now we want to sue them, we need an attorney to sue them for all the stress and pain they have caused us health wise due to stress.. so that is where we are at right now
Consumer complaint received 2019-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

In XX/XX/2018, I applied for and was granted a credit card account with Capital One with a XXXX dollar balance. No issues, no problems. The card came in the mail. I created the online account, and set up automatic payments from my bank account. I called to activate the card that arrived per instructions. Capital One required information when activating the card. They asked for cell phone number, which I did not have or provide. They asked to upload a copy of my license. I did that multiple times, as each time they claimed that the picture was not discernible. Each time I took a new picture and uploaded it. It was as clear as day. Each time, Capital One had a different excuse as to what was not 'legible ', finishing with the file must have been altered when I uploaded it. It was clear that is was one lie after another. I spoke to multiple people, some claiming to be supervisors. I spend hours on the phone over the course of weeks. After wasting so much time trying activate a card, I ultimately decided to cancel the account. Capital One refused. They have access to my personal information, banking information and have run credit checks, but would not allow the card that they provided to be activated. They would provide no actual reason why. They refused to delete my personal and financial data. During the course of the conversation, Captial One said that I was not allowed to record the phone conversations, even though they state that they record the phone conversation. This should be a dead give away that they are up to something not above board. Do not apply for a card with Capital One. Clearly, they are after personal and financial data.
Consumer complaint received 2023-04-01
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. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-08-16
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. (CA)

To : TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX From : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX To Whom It May Concern : I am writing this letter to dispute certain inaccuracies in relation to my credit file. 

I recently received a copy of my credit report, and I notice there are unauthorized credit inquiries made by the following companies at the following dates : Unauthorized Inquiry 1 Name : XXXX XXXX XXXX XXXX Unauthorized Inquiry Date : XX/XX/XXXX Unauthorized Inquiry 2 Name : XXXX XXXX ( Bank ) Unauthorized Inquiry Date : XX/XX/XXXX To my knowledge, I have not signed any documents authorizing these companies in question to view my credit report. The listed inquiries are without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act Section 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, please send me proof of this. 

Finally, I am requesting an updated copy of my credit report, which should be sent to the sme address listed above. According to the provisions of Section 612 ( 15 USC Section 1681j ), there should be no charge for this report. 

Your immediate attention to this matter is appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-12
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-08-16
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. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
USDOE/XXXX  XXXX Balance : {$0.00} DP OF EDUC XXXX Balance : {$8800.00} DP OF EDUC XXXX Balance : {$9300.00} DP OF EDUC XXXX Balance : {$3300.00} DP OF EDUC XXXX Balance : {$1100.00} DP OF EDUC XXXX Balance : {$5900.00} DP OF EDUC XXXX Balance : {$3300.00} DP OF EDUC XXXX Balance : {$8500.00} DP OF EDUC XXXX Balance : {$4900.00} DP OF EDUC XXXX Balance : {$7600.00} DP OF XXXX XXXX Balance : {$2300.00} DP OF EDUC XXXX Balance : {$7200.00} DP OF EDUC XXXX Balance : {$3800.00} DP OF EDUC XXXX Balance : {$8600.00}
Consumer complaint received 2019-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

fraud account never authorized under my name XXXX XXXX XXXX XXXX XXXX  {$2000.00} this account was opened under fraud and disputed as such with original creditors back when account was opened and now Portfolio recovery associates is collecting and damaging my credit report with this fraud account and request this account be removed from all credit reports and XXXX  and cease and disist all collections on this fraud account under my name that does not belong to me. I request it is deleted from my XXXX  credit report asap.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

These Inquiries do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX {$870.00} was taken out of my checking account by Wells Fargo without just cause. It was charged by XXXX XXXX in XXXX XXXX, CA I was not there nor did they have Authorization. It took a while of yelling at them for them to put it back, but they did. They tried to blame it on computer system issues. 
After that, WF took the money out again last month, blaming it on length of charges taking to settle. No such thing happens like this. I also noticed that they had my debit card number, it's Defenitely fraud. 
I've argued with the bank repeatedly, it shows just how crooked this bank is. 
They also filed a claim but that's also fraud because they did it as if I filed it ... ... they lied about giving me the claim number, seems pretty screwy. I've contacted this place also but they won't return the money. 
I've suffered th e loss of my fiance, had XXXX XXXX, etc ... ... this bank should be shut down, it's a disgrace!!! 
I'm reaching out to you guys so I can recover some of this money, please I really need the help!!! 
THANK YOU!! 
XXXX XXXX. 
I can provide bank statements
Consumer complaint received 2018-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

THIS ACCOUNT IS NOT MINE THE ORIGIONAL SCCOUNT OWNER FILED BANKRUPTCY AND MAKING PAYMENTS ON ACCOUNT XXXX IS SHOWING WRITTEN OFF CHARGE OFF WHICH IMPOSIBLE BECAUSE PAYMENTS SRE STILL BEING MADE THEY CAN NOT SHOW DEROGATORY INFORMATION IF THE ORIGIONAL DEBTOR IS MAKING PAYMENTS HENCE NOT SHOW AS WRITTEN OF SINCE 2017 THIS IS RETALITORY SO THE CREDITOR MUST REMOVE ACCOUNT OR UPDATE SS CURRENT IVE FILED 609 ( 1 ) A ( 1 )  WHICH EXPERIAN HAS IGNORED
Consumer complaint received 2021-08-19
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: Alorica Inc. (NC)

I was researching my credit report and noticed some inaccuracies that are keeping me from obtaining employment, housing and transportation. If you find these items to be verified, please include the policies and procedures that you used to investigate this account in your response. This is a direct dispute and should be handled as such. Thank you.
Consumer complaint received 2022-08-16
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 sent a letter addressed to the EXPERIAN Credit Bureau requesting to conduct an investigation and correct the information being reported. The Experian credit bureau must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$7300.00}
Consumer complaint received 2022-08-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION (IN)

Hello, A few months ago, I tried to obtain a second mortgage with Regions Bank. My rep was XXXX XXXX. He said he " locked me in '' at 6.125 %. I showed up to closing and it was 1.75 % higher than I locked. He said he had no idea what happened and said come back in two hours and I will have this fixed. I came back in two hours, and it was the same interest rate. He said, " sign it, and send me a snapshot of the rate and I will get it changed ''. During this time the feds raided the rates twice! I was in a corner, so I signed it. He could never get it changed. I spoke to his supervisor, XXXX, and he could not help me. He basically said sorry, but you signed it. I was told it would be changed. 

Sadly, the exact same thing happened to my ex-husband, whom I gave him XXXX XXXX 's number! That went over well. We exchanged multiple emails about this, and I was completely lied to. I have already filed a complaint with Regions. 

I also had a lock on a loan with another bank. I did not go with that bank because XXXX XXXX promised the moon and delivered rocks.
Consumer complaint received 2023-04-01
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. (FL)

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

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 Balance : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance XXXX {$12000.00} XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-28
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. (NY)

In accordance with fair credit reporting act XXXX  account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 US C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Account name : Open Sky
Consumer complaint received 2022-08-16
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. (PA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and Equifax have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX
Consumer complaint received 2023-04-01
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 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 CHILDSUPPORT XXXX Balance : {$13000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XX/XX/2022
Consumer complaint received 2021-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (NY)

Apple should clearly disclose what the company intends to offer. Just try to purchase a XXXX XXXX XXXX from Apple for school purposes. We are currently offer 0 % financing for six months. False and misleading! Once consumers click yes, it generates a contract with different terms and conditions. Granted, it was my responsibility to review my statements to make sure that they were free of error, however, would XXXX  have rectify its unscrupulous act? Absolutely not. When I asked to close my account after I paid it off, said account incurred {$43.00} in balance rewards and XXXX  would not mail me a check. They never had that amount displayed in a way that consumers can see it and use it. I have knowledge about proper disclosure in financial transactions.
Consumer complaint received 2022-08-16
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. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.