davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-27
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. (GA)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Worth Finance Corporation (TX)

I've never really paid to much attention to my credit before till recently. when I was receiving loan offers in the mail and credit cards and phones calls not stop people wanting to give me a loan. This all happened after me and my son father broke up I cant prove this was him but someone was applying for me credit everywhere wasn't getting approved. when I did a credit report I saw some stuff but not everything that's on there now wasn't on there at first. In XXXX my online banking account was hacked into I am still not really sure what happened. I received a check in the mail from worth finance for {$1000.00} it was XXXX time and with no help from my sons dad I was relived I got it. I deposited through my XXXX XXXX   XXXX app. and like 2 weeks later another XXXX dollars was pending in my checking except I didn't know where it came from and my online banking didn't show anything but {$1000.00} was pending. I called the bank asked about it beings its was a Saturday there wasn't much they could do or tell me then the money first disappeared and days later my account was clothed. I called no one knew or could tell them I finanially received a letter in mail with instructions on what I needed to do. so I filed for identity theft reported it to the police and in XXXX almost 3 months later they closed there investigation. I then learned the worth finance check had something to do with it and I've been have a hard time with my credit since. no one actually stole anything or was able to get a credit card that im aware of yet. I would really appreciate it if you'll could help me fix my credit issues. I do everything from the bank and my identify theft report.
Consumer complaint received 2019-04-27
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. (OH)

I have no knowledge of the account information. It is inaccurate. I contacted the 3 bureaus ; Equifax is the only company still reporting and refusing to investigate and provide more information relating to the account/
Consumer complaint received 2019-02-11
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: DISCOVER BANK (TX)

I pulled my credit report and there is a account called discover credit card with a XXXX balance I didnt apply for and I called discover over and over and explain that didnt apply for this account and they have started a investigation and after 90 days I was told I wasnt responsible for it and the next day I was receiving calls from the debt collectors and I explain too many times that I didnt apply for a discover card   and its on my credit report and XXXX refused to remove it from my credit report after It was blocked again this morning on XX/XX/2019 I called XXXX today and see if they block the account and they said they are unable to block it and Told me I need to contact discover to reopen the dispute
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AR)

Over the last 3 months I have repeatedly contacted both Experian and XXXX about information on credit report. Still the information remained. Some of the items that I have paid have actually brought my credit score down which is unusual. I am just not believing what is happening. Also I recently applied for a loan Experian showed me a score of XXXX they showed my prospective creditor a score of XXXX. I know this because this creditor is someone I have done business with a long time and was good enough to tell me what the score was. This is I believe against the FCRA. I had to fight with all 3 credit bureau 's to get credit card information off my credit report. Even though Arkansas my state of residency has a law that says certain information cant stay on my credit report more than 5 years it is statute 4-3-118. Yet I still had to fight with all 3 bureau 's to get this information off my credit report and that is not right.
Consumer complaint received 2020-06-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (HI)

I have made two separate complaints to XXXX  and XXXX  about information being reported twice from the PHH mortgage since early XXXX closing date. It shows that I HAVE TWO MORTGAGES with PHH, which absolutely incorrect. Im receiving phone calls and correspondence about one mortgage loan being past due and contacted PHH Mortgage and nothing has been resolved? The reported balances is {$280000.00} and the other {$270000.00}, which makes it appear on my credit report as over extended credit. Please let me know how to correct this error on my credit reports.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MS)

In 2019 I had opened the account for my direct deposit and my job as soon as I opened the account I started getting insufficient funds for maybe XXXX cent {$0.00} and I received a letter before I move but now I can not think to get in contact with trying to update it and they'll keep saying that I do not have an account with them and I know for sure I have had an account with them since 2019 and I have not been able to get another one because of insufficient funds maybe {$330.00} total and then XXXX account was {$140.00} and it literally took my check from my job I need everything reimbursed
Consumer complaint received 2022-12-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (OH)

Today. XX/XX/2022, I contacted GM Financial to make a payment on my new vehicle loan. The past due balance was more than it should have been. I reached out to a customer advocate to pay a payment of {$540.00} online. I just paid over {$900.00} on XX/XX/XXXX to become current. They did not correct the amount that was past due, and ignored my request. They went straight to asking me when I could pay. 
Also, today I addressed my concern with the negative effects with marking late on every month, which was not correct, on my credit, which I have paid and made payment arrangements. I was also ignored for my request to fix my credit report. GM has completely destroyed my credit and my ability to refinance or trade in my vehicle.
Consumer complaint received 2022-03-12
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc. (DC)

Goodevening, I have been frustrated with contacting debt agency with XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX ). I have called my insurance for a better resolving solution to help pay off debt with the hospital an helped my contact debt agency resolve the issue at hand. An I was told to not to worry bc everything was dealt with XXXX. By the debt over lapping its bringing my credit down to the point I can't move forward with getting a place or a car or even get great steady paid job. It's messing up alot of opportunities that has come my way. I haven't gotten any phone call if I did it's under number I don't recognize or don't know which I don't answer bc of scammers as you all suffer from as well. I would like better results to help understand why is this bill XXXX when it's been paid of to my insurance. Please I would like help resolving this debit so me an my beloved can have better futures. Thank you for listening hope to hear from you all soon.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

On XX/XX/XXXX I contacted XXXX XXXX XXXX to negotiate a debt. I attended XXXX XXXX University  during XXXX and dropped a class within the drop period. XXXX billed me for the class anyway. I dropped the class over the phone so I can not provide proof that I was within the approved time frame. I disagree with this debt entirely, but I was denied for a business loan because of this collection account. XXXX XXXX XXXX agreed to accept {$1900.00} to pay for delete from my credit report. I've filed several disputes to have this account updated to paid and removed as a collection account. All three bureaus have denied my requests saying that XXXX XXXX is reporting this account as unpaid.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HUNTINGTON NATIONAL BANK, THE (KY)

I had a savings account with my ex husbands name on it ( opened in XXXX I believe ) I was divorced in XXXX and his name was still on my account. I had never received any documents with his name on them so I was unaware that I needed to take his name off of the account. Around tax time this year XXXX {$610.00} was withdrawn by Huntington from my savings account to pay off XXXX of his delinquent accounts. I then closed my Huntington account and withdrew my funds. After calling and asking questions Huntington then sent me a check XXXX weeks later for the {$610.00} they had withdrawn. I have not received any letters or had any phone calls from Huntington since. Today XX/XX/XXXX I received a call from a restricted number the female caller verified my address and my social security number which I never provided and told me I was being summons on XX/XX/XXXX for court I asked what is this pertaining to and she told me I needed to call this number with a case number that she was going to give me because she could not explain it. The phone number she gave me is XXXX and the case # XXXX. Once I called the number the same female answered the line XXXX XXXX XXXX and explained Huntington is suing me for {$3200.00}. I called Huntington customer service and was advised this is a scam and was given your website to start and to call local law enforcement and file Identity theft claim once I receive a report back from your office.
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Army and Air Force Exchange Service (VA)

After reviewing my credit report, it was revealed to me that I had many late payments beginning : 30 days late as of XXXX XXXX 60 days late as of XXXX XXXX 90 days late as of XXXX XXXX 90 days late as of XXXX XXXX 90 days late as of XXXX XXXX 90 days late as of XXXX XXXX 90 days late as of XX/XX/XXXX I retired from the military in XXXX and haven't a need to use this card nor was I aware there was a balance associated with my name on it. I was not in receipt of any statements whatsoever.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX, Transunion, and XXXX are all furnishing inaccurate information regarding an XXXX XXXX account. I have highlighted all 8 inaccuracies in a PDF sent with this compliant.
Consumer complaint received 2023-07-27
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. (CA)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Attached is an identity theft report that has the following fraudulent inquiries reporting to my TransUnion credit report. 

TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX Bank XX/XX/2023
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

USAA has been incorrectly reporting the balance of a prior loan on my credit report in the amount of {$8400.00}. They have been reporting the incorrect amount owed. Plenty of notices have been sent to them to dispute this issue and they have still not corrected this. Reporting false information, which in this case is misrepresenting the amount owed on a loan, a violation of FDCPA. Also, they translated that misinformation to a 1099-C. The loan balance that they have been reflecting on statements for over a year now is {$8300.00}. Filed a FDCPA complaint on XX/XX/2019 and received a response XX/XX/2019. In that response, they noted that XXXX XXXX spoke with me regarding this matter. That is incorrect. We spoke regarding a separate complaint regarding my credit card and trying to have the late fees waived. No one from USAA has reached out to me regarding this matter and they are falsifying communication records between them and myself with their last statement to the FDCPA for complaint # XXXX. I attempted to email XXXX XXXX on XX/XX/2019 as well as this evening.
Consumer complaint received 2019-04-27
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. (CO)

On XX/XX/19 some nefarious criminal who had somehow gotten a hold of my SSN and home address opened a credit union account in my name. 
I subsequently worked with XXXX XXXX XXXX XXXX ( XXXX  ) to close the account, reported it to the local authorities and my credit monitoring agency, filed a fraud report with the Federal Trade Commission and had my credit frozen by all three credit rating agencies. 
I then filed disputes with the credit rating agencies to get the XXXX account removed from my credit file, because it was opened fraudulently and should not be on my credit record. 
However, all they did was verify that it was 'valid ', which it most certainly was not, and frankly, my SSN was probably compromised by the XXXX breach a few years ago. 
I need the record of this illegally-opened account purged from my credit record, so I am reaching out to the CFPB to do this. 
It's just criminal that a tax-paying, law-abiding American citizen gets his identity at least partially stolen and no one cares or will do anything about it, so the least that could be done is to expunge this XXXX account from my credit record. 
Thank you, XXXX XXXX
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE DISPUTED ITEMS HAVE BEEN DISMISSED AND SHOULD NOT HAVE APPEARED ON MY CREDIT REPORT. PLEASE RE-INVESTIGATE AND HAVE THE DEROGATORY ITEM OFF MY CREDIT.
Consumer complaint received 2019-04-27
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. (CO)

On XX/XX/19 some nefarious criminal who had somehow gotten a hold of my SSN and home address opened a credit union account in my name. 
I subsequently worked with XXXX XXXX XXXX XXXX ( XXXX ) to close the account, reported it to the local authorities and my credit monitoring agency, filed a fraud report with the Federal Trade Commission and had my credit frozen by all three credit rating agencies. 
I then filed disputes with the credit rating agencies to get the XXXX account removed from my credit file, because it was opened fraudulently and should not be on my credit record. 
However, all they did was verify that it was 'valid ', which it most certainly was not, and frankly, my SSN was probably compromised by the Equifax breach a few years ago. 
I need the record of this illegally-opened account purged from my credit record, so I am reaching out to the CFPB to do this. 
It's just criminal that a tax-paying, law-abiding American citizen gets his identity at least partially stolen and no one cares or will do anything about it, so the least that could be done is to expunge this XXXX account from my credit record. 
Thank you, XXXX XXXX
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. (GA)

I need your assistance in getting this matter with Equifax resolved once and for all. Equifax is reporting inaccurate information on my credit file. Equifax is reporting that XXXX XXXX ACCT # XXXX & XXXX is late in XXXX and XX/XX/2019. This is inaccurate information in that these accounts has had a XXXX balance for over 4 years. How can an account with a {$0.00} balance have a late reporting during the time that it had no balance.
Consumer complaint received 2019-04-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CO)

The credit provider is Synchrony Bank/Care Credit. 
They offer a variety of promotions. One is deferred interest if paid within a prescribed time. Another is a lower interest rate until it is paid off. 
If you do not pay off the deferred interest promotion within the prescribed time, they start charging a higher interest rate. Likely all legal. 
If you make a payment, say online, above and beyond the monthly minimum, they apply the over amount to the lowest interest rate portion of the account, rather than the highest interest rate, thereby maximizing their revenue. 
In fact, there is no way for you to automatically apply the extra payment to the highest interest part of your account other than calling them on the phone. 
If you make this payment on the phone and ask them to apply it to the higher interest portion of your account, I was told, today, that it could take 2-3 billing cycles to reflect on your account. 
While possibly legal, this certainly seems like a deceptive trade practice if this was covered under Section 5 of the FTC Act ( which it no longer is ). Under the CFPB regulations, this seems like a  UDAAP violation. Either way, the consumer, unless they are very perceptive and persistent, winds up on the short end of the deal.