davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-10
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi, My son applied for an auto loan and I was the co-applicant of that loan through XXXX XXXX XXXX XXXX XXXX. We applied for a pre-approval application online for an auto loan on Thursday, XX/XX/2019. We got pre-approved on Friday, XX/XX/2019. I provided my personal information to them which included my social security, pay stubs and my drivers license and my son provided his personal information to them. They called me today, XX/XX/2019 at XXXX XXXX   and told me that they have pulled my credit report and my date of birth does not match the date of birth that I have provided to them. They told me to provide them with a letter which will state that my date of birth has been corrected.
Consumer complaint received 2018-06-04
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: Credit Karma (TX)

I did not authorize this creditor to run my credit I have never heard of them nor request credit with them. 

Creditor Name : XXXX  Inquiry Date : XXXX XXXX, XXXX Removed By : XX/XX/XXXX Type : XXXX XXXX Cards/Airlines
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Experian is in violation of the FCRA for reporting unverifiable and incorrect information on my credit report. 

So, how is Experian verifying this information if the information is no longer in XXXXXXXX XXXX and the XXXXXXXX XXXX XXXX did not give them this information? 

By Experian reporting inaccurate and unverifiable information it has caused me financial hardship in my personal and business life. 

I have attached the letter from XXXX showing proof that this bankruptcy was removed from their system because it could not be verified! 

Also, I have attached a letter from the XXXX XXXX XXXX stating they did not supply this information to the credit bureaus. 

So, my question is who is supplying this information to Experian? 

I have also attached a screenshot of Experian being dishonest saying that the courts supplied them with this information which is untrue. 

Experian is in violation of not properly investigating and also reporting incorrect information which his illegal per the FCRA. 

The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the FTC and my state attorney general.
Consumer complaint received 2016-11-03
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

. I live in XXXX.. My car loan was past due. I made a payment on XX/XX/2016. My car was taken that night. My response from XXXX on XX/XX/2016 I explained that registration was due then insurance in order to maintain the vehicle, then payment was made. He stated that payment did not post and that I would have pay XXXX plus any applicable fees in order to get my vehicle back. This would have been understandable if I was not trying to maintain the vehicle legally and made payment.I feel due to the circumstances this shiul have been handled differently. 

Thank You For Your Consideration, XXXX
Consumer complaint received 2019-10-13
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. (MI)

When I go to XXXX XXXX to check my credit report they have it on my report that I still owe XXXX to XXXX XXXX .. When the car was traded in for a new car and it was paid for by the dealer. They are refusing to take this off. this is not correct. They show me as being late when it wasn't late I no longer own the car. It the title was in the dealer position. Apparently the dealer was late in getting the payment to XXXX so what does XXXX do they punish me by saying I owed them this money .. NO the payment was made by XXXX XXXX XXXX where we bought our new car XXXX They say they get their information from Transunion and rely on Transunion for the information. However Transunion shows the car was paid in full I have tried to get them to remove the late mention since I had no control over the when the dealer paid XXXX. 



XXXX XXXX XXXX Last reported XX/XX/XXXX {$190.00} Reported balance Highest balance {$29000.00} Nice! You've almost paid off 100 % of this loan OVERVIEW Highest balance {$29000.00} Monthly payment {$530.00} OpenedXX/XX/XXXX ( 1 yrs, 0 mos ) Term72 months ( 6 years ) PAYMENT HISTORY green_status green_status red_status green_status red_status You've made 67 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX green_status XXXX green_status red_status green_status Current red_status Not current Last paymentXX/XX/XXXX Payment statusCurrent Worst payment status30-59 Days Late ACCOUNT DETAILS Account statusOpen TypeAuto loan ResponsibilityIndividual Remarks -- Times 30/60/90 days late1/0/0 CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX USA
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-07-10
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX To whom it may concern, I am filing a complaint due to fraudulent addresses on my credit report that do not belong to me. I had my ID compromised and I am trying to deal with the aftermath of this situation. I will attach my true and proper ID and address to this complaint. Please be advised the following addresses need removed : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current and only employer is XXXX XXXX HOSPT COMPLIANCE SPEC My only address is XXXX XXXX   XXXX XXXX XXXX, OH XXXX, please remove all others they are not accurate.
Consumer complaint received 2018-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (WI)

The XXXX XXXX Credit Card charged unfairly a late fee, because I made the payment after the cut off time on the due date. The due date was XXXX, and I paid on XXXX in the evening after I got to sit after home chores and work. I called them, and they stated that because I made the payment after the cut off time I accrued the {$23.00} late fee. ( BIN XXXX )
Consumer complaint received 2018-05-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACQ Holdings, LLC. (WI)

I received through email or a mailing, how to receive overnight {$800.00} which I am pre approved for, so I called and spoke with a man, recalling the conversation nothing was mentioned about the huge payback amount, certainly not this must money he was fast talking and confusing, however strapped for cash I agreed, now For and quickie loan over the phone, which started 1st deposit into my checking account was XX/XX/XXXX, {$800.00} REPAYMENT 1st payment, electronic withdrawal, XX/XX/XXXX, {$300.00} 2nd payment electronic withdrawal, XX/XX/XXXX, {$400.00} 3rd payment electronic withdrawal, XX/XX/XXXX {$400.00} 4th payment electronic withdrawal XX/XX/XXXX {$400.00} which I have now repaid {$1900.00} and have 8 more scheduled payments which means I will have repaid {$3200.00} for the original amount of {$800.00}.

can this be legal??
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX To whom it may concern, I am filing a complaint due to fraudulent addresses on my credit report that do not belong to me. I had my ID compromised and I am trying to deal with the aftermath of this situation. I will attach my true and proper ID and address to this complaint. Please be advised the following addresses need removed : 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 My current and only employer is XXXX XXXX XXXX XXXX XXXX My only address is XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, please remove all others they are not accurate.
Consumer complaint received 2020-02-10
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC (MN)

We closed on our house in XXXX in MN and therefore any exterior things like a driveway could not be completed and needed to go into escrow. Our builder informed us that they would not escrow but that if we used their mortgage company - Eagle mortgage - that they would escrow for us. We had previously worked with another mortgage broker but decided that it seemed odd to pay for our house in full even when things are not complete and then pay for the escrow items again - essentially paying twice for the things that wouldn't be complete at closing and went with Eagle Mortgage. 

The entire process was sloppy and most documents were full of incorrect information but we were forced into signing as they said none of the documents until closing were legally binding but we needed to sign these or we wouldn't get our mortgage and to close on our house. The constant threats became exhausting but we pushed through and on the night before our closing, we were informed that our closing costs went up approximately {$3000.00} and that we would need to fund our escrow of {$7200.00}. This was at XXXX XXXX  and our closing was the following day at XXXX XXXX. We had already wired the closing about of roughly {$130000.00} and were told to " bring our checkbook ''. Luckly we called the title company and the said they do not accept personal check, which we though would be the case, but they would wait for us to go to the bank to get a certified check. 

The evening prior we had many conversations with the Mortgage lender where she continued to say whatever in that moment would make us happy - several times lying. At this point we began to point out the inaccuracies. We were told we wouldn't close on the house if we wouldn't pay what we were told to pay.
Consumer complaint received 2019-03-12
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I have medical bills that were not paid because of bad insurance that didnt pay and the billing department that knew that I was a veteran and didnt bother to send the bill to the VA billing department. It is still on my credit report along with bill that are over 7 years.
Consumer complaint received 2018-06-03
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: CORELOGIC INC (CA)

Between XX/XX/XXXX and XX/XX/XXXX, a HARD inquiry made by CREDCO was added to my credit report. This is a bank and I did not authorize this! 

Please help
Consumer complaint received 2015-04-29
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (VA)

Credit card company changed terms and conditions of benefits offered immediately after I paid the annual fee. Previous terms allowed for XXXX free night after a minimum of a XXXX night stay, essentially allowing a XXXX for XXXX, or 50 % reduction in points needed on any properties. The new offer only allows for XXXX free night per calendar year on US properties only. This change has devalued the points and I would not of paid another annual fee had I known this would happen.
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

I saw in my XXXX credit report that someone had opened a Wells Fargo account in my name. I immediately contacted Wells Fargo directly. They informed me that someone had indeed opened an account in my name. I asked them to close the account and assumed the issues was settled. 

I then received a statement about my open account. I called Wells Fargo again and asked that they close the account. They said they were working on an investigation. 

I then received a letter telling me that they can't close the account because I have a credit block in effect ( which I put into effect because of my issue with Wells Fargo ). They also said that any checks written on the account would be paid but I would be charged fees if there was insufficient funds. 

I called Wells Fargo again and they put me on infinite hold on the phone. At this point, I believe they must have started up their commission program of incentivizing their employees to open fraudulent accounts that they were convicted of previously. 

Can you help?
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TN)

My XXXX XXXX bankruptcy order dismissing the case was filed by the bankruptcy judge XX/XX/XXXX. On XX/XX/XXXX it was approved that the chapter XXXX case be statistically closed. I filed Chapter XXXX bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX. I was approved for an auto loan in XX/XX/XXXX by a dealership lender & I traded-in and bought another vehicle in XXXX XXXX & financed this auto loan with my personal XXXX XXXX XXXX  In XXXX XXXX, I was denied for a credit card by my credit union for an active chapter XXXX bankruptcy even though they pulled credit 2 months earlier & no saw no active bankruptcy. They said they were using a new credit reporting company and they needed proof of it being discharged. The same day I emailed copies of the judge 's orders and was approved right after. This was a first this had been brought up and assumed they had just made a mistake, so I didn't think much about it until now. XX/XX/XXXX I applied for a store credit card and received an email the next day notifying me that I was denied for active XXXX Now, I have to physically mail a dispute letter, my proof, and then wait weeks for this to " hopefully '' get corrected. What shocks me even more is that I currently already have two other open credit accounts with this same bank and my pervious XXXX XXXX loan. I pulled all three credit reports and I seen it was reported to one credit reporting agency as " Filed '' and immediately filed a dispute with that credit agency. Within my report it states they receive their bankruptcy information from a furnisher, LexisNexis. I have called the bankruptcy automated info line and confirmed it states both cases are dismissed/discharged. How after 4 years since a dismissal can this all the sudden be reported as active on my credit report?
Consumer complaint received 2019-09-24
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: General Motors Financial Company, Inc. (GA)

On XX/XX/2019 I went to XXXX ( XXXX XXXX XXXX ) with an already approved loan from my current credit card company XXXX XXXX '. I was willing and ready to use my XXXX XXXX auto loan without hesitation. 

My salesman apparently ran my credit with MULTIPLE lenders WITHOUT my permission or knowledge on doing so. Not to mention, I have a XXXX XXXX ' on my XXXX which should have prevented anyone from gaining access to my credit account without my approval. It wasnt until I checked my report 30days later and seen such transactions. 

I did not authorize all of these auto lenders to run my credit as I have been diligently working to build my credit and with all of these hard inquiries it has brought my credit score down. I have made attempts to contact XXXX XXXX regarding this issue but was informed there is nothing they could do, that I would need to dispute these transactions with the lenders.

I would NEVER have authorized all of these hard inquiries when I was already approved for an autoloan.

*I tried to upload my XXXX XXXX XXXX XXXX  approved loan but since I purchased the car, I no longer have access to such document*
Consumer complaint received 2015-07-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (OR)

XXXX and XXXX XXXX, due to a job relocation, have been attempting to sell their property located at XXXX XXXX XXXX XXXX, XXXX, OR XXXX for over two years. 
Recently we were able to get the XXXX lien holder, XXXX, to agree to a short sale and they have provided the FHA Approval To Participate letter on XX/XX/XXXX. Please see attached documents. The XXXX lien older, US Bank, has been " processing and reviewing '' the same short sale documents that XXXX has approved since XX/XX/XXXX, At this time they have stalled the process of the short sale review with no explanation. Please see attached email string where I have asked, then demanded, some indication of the activity on the file. I keep getting an email from XXXX XXXX, the Customer Relations Manager, telling me the file is being reviewed. It 's been " being reviewed '' for almost 5 months now! It 's past time for a decision but US Bank is deliberately stalling this file for their own reasons, none of which have to do with the file. They asked me for a Request for Mortgage Assistance ( RMA ) on XX/XX/XXXX and it was completed and sent to them the same day. But when I called them to see what the status of the file was on XX/XX/XXXX the US Bank folks told me they did not have the RMA and required it. I emailed it to tem again and apparently they found it, or did not lose it, that time. Then on XX/XX/XXXX they asked for another group of documents, including the same XX/XX/2014 Federal Tax Return we had sent in back on XX/XX/XXXX, a copy of the Homeowner 's Declaration page and the Property Tax Statement, which we had previously informed them on XX/XX/XXXX by signed and dated written statements that the XXXX lien holder had been taking care of, and a copy of the XXXX lien holder payoff statement, AGAIN provided to tem on XX/XX/XXXX. The Relationship Manager, XXXX XXXX, sent an email on XX/XX/XXXX asking for a VALID PURCHASE AGREEMENT. That document had been sent in XXXX times previously, on XX/XX/XXXX, on XX/XX/XXXX and on XX/XX/XXXX. XXXX told me they needed a fully signed sales agreement but, after reviewing the file VERY carefully and not seeing any missed signatures and asking for specifics as to the supposed missing signatures, she would not provide any specific page numbers or page identification information. See attached email string. 

US Bank is deliberately stalling the process of this short sale request and refusing to cooperate to allow the borrower to avoid foreclosure. They are obstructing the process by " losing documents '', asking for correction on imaginary problems and in general not acting in good faith with the borrower. They are the quintessence of a financial institution that thumbs its nose at the federal regulatory agencies by not cooperating with their customers as the Dodd-Frank Wall Street Reform and Consumer Protection Act intended to enforce and that intentionally causes damage to the lives of heir " customers ''.
Consumer complaint received 2018-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Sortis Financial, Inc. (MD)

My mortgage was transferred from XXXX XXXX  to Sorits as of XX/XX/XXXX per documentation. I received official letter from Sortis on XX/XX/XXXX regarding the transfer and that my first payment was due on XX/XX/XXXX. 
I received another letter from Sortis on XX/XX/XXXX in my mail ; it was dated XX/XX/XXXX ; saying that my mortgage payment was more than 30 days past due and my loan was in default. 
In XX/XX/XXXX my mortgage was transferred from XXXX to XXXX XXXX. In XX/XX/XXXX, I mailed a check for the mortgage to XXXX ; then after that, starting in XX/XX/XXXX, payments were automatically sent from my account. Per the records in that account, XXXX started returning some of those payments back into the accounts. Those automatic payments were mailed consistently until XX/XX/XXXX, when Sortis was taking over the account. 
I am asking that any back payments prior to XXXX taking over the loan ( then transferring it to Sortis ) be attached to the end of the loan.
Consumer complaint received 2022-11-08
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I submitted debt validate online on XXXX XXXX to capital 1, asking them to validate this debt. Or remove it from credit report. I don't feel like they validated it. The total was {$470.00}. And was contacted by a company called " XXXX XXXX XXXX. '' I have I idea who " XXXX XXXX XXXX '' is. I've made no contracts or agreements with them. 

XXXX XXXX Thank you!!