davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-24
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. (IL)

I WAS A VICTIM OF ID THEFT DUE TO THE DATA BREACH FROM EQUIFAX. I HAVE TRIED NUMEROUSLY TO HAVE THE INFORMATION REMOVED FROM MY CONSUMER REPORT BY FILING A FTC REPORT. FILING A POLICE REPORT, AND NOTIFYING THE APPROPRIATE AUTHORITIES.
Consumer complaint received 2021-07-23
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)

Theft and harrassment and stolen vehicle suspect also stole my drivers licence and cellphone and adding fraudlent charges to credit report, suspect stole the vehicle that was in my name from another victim XXXX XXXX XXXX at XXXX XXXX XXXX
Consumer complaint received 2019-07-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (NJ)

My student loans have been on autopay for years. I have not missed or been late on a payment for well over 5 years ( don't think I have ever ). In XXXX of this year I noticed the repayment was still on interest only, I called and after many hours on the phone was finally able to get them to switch repayment from IO to one that was amortizing. I asked if the autopay would remain and was told yes. I live in NJ but spend the work week in CT at an apartment I rent. As a result I'm not home Monday through Thursday and knowing that my account was on autopay, I instructed my wife to just put anything from UAS ( University Accounting Services )  - which I'm assuming is the loan servicer - in the shredder. A few months later I noticed my credit rating had dropped. When I investigated the cause, I found it was the student loan account. After further digging I saw that autopay was still on, but UAS was only pulling the old IO payment from my account, so I was underpaying by the principal component due. I called UAS and explained that I didn't understand why they didn't keep the autopay as I had set it up to collect the full amount due, and furthermore, if they weren't going to do that, why had I not been told I would need to amend the autopay to now make a larger payment. The autopay was not set up as an outflow from my bank but rather them pulling from it. I asked what could be done to reverse the reporting to the credit bureaus, to which I was told basically nothing. I asked to speak to a supervisor and again explained the situation, I was told the request would be placed with an account specialist and they would call me back. This was over a week ago, and not to my surprise, I have heard nothing. I immediately brought my account current when I discovered the error and instructed them to amend the autopay to pay the balance due each month in full. They also told me it was the lender that submitted the default ( even tho payments were being made, just not the new higher payment ) to the credit agencies. I asked for contact info so I could speak to the lender. I was told they didn't have a phone number, only an email, and they couldn't give that out. The lender is XXXX XXXX XXXX XXXX. I want to get this removed from my credit history as it should have been very clear to anyone there looking at it that the autopay was not updated. If someone took 5 minutes to look at the account, they'd have seen very clearly that it was still the old payments being pulled by them and a simple phone call to me to update ( it's a mystery to me this wouldn't have been updated automatically ). There were no phone calls made, no emails sent. I just want to get this blemish off my credit report, and the credit report of my father, XXXX XXXX, who co-signed the loans some 10+ years ago. Thank you.
Consumer complaint received 2019-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (VA)

Back in XX/XX/2019 a company called XXXX charged my credit card for {$230.00} without my consent. I had done business with them before but they were not authorized to to charge anything else on my card. They did and I immediately disputed the charge with CHASE. I explained to CHASE the situation and they promised they would look into it and handle it. I was told to provide information multiple times regarding what was charged and why I was disputing it. I did that and even called CHASE multiple times to explain why it was not a valid charge. They contacted the merchant who not only provided them with doctored emails but also claimed to have mailed a product to me that I NEVER received. I did not receive or activate a new device that XXXX claims to have provided me. Nor did I ever request it. CHASE sent me a letter claiming it was a valid charge even though it was not. So again I disputed it and they told me to send additional documentation which I did. At that point I asked for a Supervisor ( which recorded conversations will prove I was told one would call me back ) yet for 2 weeks no one did. Then I receive another letter saying again the case was closed. When I confronted CHASE of why a Supervisor did not call me they lied and said no notes where in the system when I know the phone conversation is recorded and happened. They failed to gather all the information, they consistently lied, and took the word of the merchant who sent them doctored documents. That is plain fraud. They did not protect me in this situation as consumer and so I have no choice but to file a complaint and escalate this to look into their practices and also have this charge disputed and off my bill. They brought this on themselves for the way they handled the situation.
Consumer complaint received 2022-12-01
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. (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. 

XXXX : # XXXX, XXXX XXXX XXXX # XXXX, 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 2021-03-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (OK)

My mortgage servicing was transferred XX/XX/2020 to Freedom Mortgage. On XX/XX/XXXX, I was contacted by my current new servicer about an FHA streamline refinance. I explained to the loan officer I was actually interested in a Conventional mortgage loan, I got a call from them the following day and began the process. I was in touch with my loan officer that day and the day after submitting all supporting documents. I submitted absolutely every document necessary.

Days and weeks went by and no response from the loan officer. I called, I left voice messages, I also sent emails all to which I received absolutely no response.

The appraiser contacts me, comes out, and I even get the appraisal report.

Eventually, two months after submitting my application, I get a clear to close. I reach out again. Time after time and to a few different people. Someone finally calls my back but isnt a licensed loan officer, therefore he can not speak with me regarding other options. I express how frustrating it has been to not heard from my loan officer for over two months because I have questions regarding the loans and express I may need to cancel due to the lack of communication. A call from the loan officer is promised.

The loan officer still doesnt call.

I reach out again, days and time after time. I finally get a hold of someone, again I express how frustrating the process has been and ask to be transferred to another loan officer. I am promised a call back.

The following day, I receive a notice of cancelation via email. The processor working on my file, canceled my application without absolutely no consent. I tried calling and no response. I try to escalate the issue and I cant seem to be able to speak to management about the application that was unlawfully canceled on my behalf that I gave absolutely no consent on.

I get a new loan officer to call me this person is wanting to start the process all over again. He is also now offering me a much larger interest rate than what I had locked.

I struggled for months trying to get a hold of my originator. Then, the unlawfully cancel my application without my consent to offer me a much larger rate. I feel violated and scammed.
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (IL)

Several years ago I purchased a car at a used car dealer with credit acceptance. They gave me a 28 %. This was in XXXX  I think. They added an extended warranty for XXXX $ when I tried to use it they said that because the mileage was altered on the contract ( finance manager wrote over the number by mistake ) they couldnt honor the warranty. They said the mileage was wrong. So I was left paying for a car with no engine and not being able to repair. I finished paying the loan and for a car that was XXXX I ended up paying in fees etc XXXX dollars during 4 years. And again no car to show for it. I went back to the dealer and they were closed down so I was never able to resolve the issue.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IA)

I've tried to send letters to the bureaus who's reporting these false Information on my Credit report, they've broken the law by not replying to me in a timely manner, according to 15 USC 1692G Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2023-01-13
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. (AL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$21000.00} XXXX XXXXXXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-06-10
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. (MI)

//TRANSUNION - I GOT A POLICE REPORT FOR IDENTITY THEFT FILED A IDENITY THEFT CLAIM ON XXXX FROZEN, BLOCK THIRD PARTY COMPANYS. UPLOATED DOCUMENTS ONLINE/ XX/XX/2021
Consumer complaint received 2019-07-24
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: Experian Information Solutions Inc. (NC)

I pulled my Experian credit report and found XXXX XXXX XXXX had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded. I filed a complaint wit h the CFPB but the company response did not provide documentation that can be used for an identity theft report such as a singed contract or IP address so their response was inadequate to solve the issue. They either need to delete the inquiry or provide the documentation that i have requested that substantiates it so i can file and identity theft report with the FTC
Consumer complaint received 2023-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GLA Collection Company, Inc. (KY)

I am a victim of identity theft. You are reporting a fraudulent account on my credit report. You are attempting to unlawfully collect a debt from me that I do not owe and is not mine. I have told multiple representatives that called me that I am a victim of identity theft and to cease and dismiss all forms of communication. That include reporting a fraudulent account to my credit report causing me emotional distress and financial burden. I demand that this account be deleted immediately.
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

i have disputed to experian twice they have an address of XXXX XXXX in XXXXXXXX XXXX i never lived at and will not take off also a XXXXXXXX XXXX and XXXX XXXX that is not mine are not mine
Consumer complaint received 2022-01-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (CA)

Did not receive any information about debt. Credit reports only state debt if from XXXX XXXX I can not verify debt is legitimate. Please provide date of service, what services were for, a copy of original bill and a copy of signature for services. If can not provide any information or verification of debt please remove from all credit bureaus asap. 

Thank you
Consumer complaint received 2022-12-15
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. (FL)

I have sent 6 letters to all three credit bureaus pleading with them to correct my credit reports. 
I have never lived at : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never had a XXXX acct or XXXX  account.
Consumer complaint received 2022-01-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal closed my account for no reason and will not help me with getting it back up and going I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it's affecting me a great deal as I used PayPal quite frequently, and my Balance has been holding for 180 days, despite the chargeback on my account is extremely low and the costumer 's satisfaction is very high, paypal didn't request any document or anything at all, they suddenly closed my account and XXXX me up. if they don't reopen my account at least they should let me to move my money some where else..my email associated with paypal is ( XXXX )..
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX-Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-22
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: American First Finance, Inc. (OH)

Derogatory fraud account on my credit report. Talked to XXXX XXXX and American First finance. The finance company told XXXX XXXX information was correct but when I call none of my information matches any accounts they have. Will not help me get it straightened out.
Consumer complaint received 2023-07-26
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. (TN)

The statute of limitations on debt in the state of Tennessee is XXXX years. This means that if a debt has not been repaid in XXXX years, the lender can not sue to collect the debt. 

This dept has been paid in full & was suppose to be deleted from my credit report. I'm not sure why they would update any information when there's no debt owed.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX is a digital app on iphone that provides personal lines of credit. I have used them for about 1 year. I had a 100 % payment history until XX/XX/XXXX when their app had technical issues and it disconnected my bank account information from the autopay settings that were established. There was no notification of this disconnection until I tried logging into the app and I couldnt because it was having issues. I tried contacting them and no one responded for weeks. I even tried calling them, but they do not have a live costumer support service. It is all through email on their website. After a couple of weeks I finally received a response and was provided a link to make a one-time payment. I did this on XX/XX/XXXX. I advised them I was worried that the technical issues with the app would cause a payment delay because the auto-pay wasnt working and I asked them not to report any late payment to the credit bureau XXXX I paid them on XXXX XXXX. We'll on XX/XX/XXXX and XX/XX/XXXX of XXXX I logged into XXXX XXXX and found that they did report negative payment history to the credit bureau and it tanked my score by over XXXX points. I have noticed on their XXXX page that multiple people have had issues contacting this company and getting timely responses ; I am not the only one. How is this fair? Their app is the one that had technical issues and destroyed my 100 % payment history. Also, how can the US government think it is fair to allow companies that do not have live customer service operations to be able to report to the 3 credit bureaus. If you cant talk to someone live in person to help on an issue, and the best you can do is try to get ahold of someone thru email with a very questionable response rate, how is that right? I am trying to find a new apartment right now for me and my XXXX XXXX XXXX son. I need good credit to get a good apartment. This company just destroyed that!
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I made a online purchase of {$800.00} with XXXX with 75 day 's delivered guarantee or full refund on XX/XX/21, I was given a fake tracking number that doesn't exist XXXX, saying it was delivered to my home. I contacted all major shipping carriers, the tracking number exist. 
Its XXXX XXXX haven't received my items or good 's yet! 
I dispute a claim 3 months ago and still Citi Bank keeps telling me I'm the responsible person every 30 day 's or so. 
I'm very agitated, plus I keep getting broken up speaking English people in the dispute specialist that doesn't even care. I have tag all documents proof about my order I need help.
Consumer complaint received 2021-06-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE (IL)

Checking and savings accounts were opened with my Social security number, name, address with Huntington National Bank in Ohio. Several letters and a debit card arrived at my home address on the same day XX/XX/2021. Huntington has contacted their fraud dept. I have contacted all 3 credit bureaus to flag my social for fraud. I contacted all financial institutions I do business with.