davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2022-06-10
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. (AZ)

On Friday XX/XX/XXXX of 2022, I got an alert from XX/XX/XXXX that there was a hard credit pull filed by a company known as XXXX. I have never used or interacted with this company, as I didnt even know they existed until I saw them doing a hard pull. My credit score dropped over 70 pts for a hard inquiry from a company that I dont even know. 

I also received a notification from XXXX XXXX (XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX ) that TransUnion incorrectly performed a hard credit pull XX/XX/XXXX, and it is now showing up on all three of my credit scores. I have attempted to contact both XXXX XXXX, TransUnion and XXXX, but the phones are either down, busy ( wait over 3 hours ), or a recorded message. I have work, so I am unable to sit on hold for 3 hours. 

This is especially bad for me, as I am in the process of acquiring a mortgage loan for a new build house, and any major ding on my credit score puts my loan in jeopardy. I have reached out to my mortgage loan officer to inform her of this and I am waiting for a reply.
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

After noticing an account on my consumer file, I immediately mailed a notice under 15 U.S. Code 1692g - Validation of debts. ( A ) to ensure that the amounts were accurate. After receiving a notice saying Account Validated, I mailed a notice via Certified mail for Re-Investigation under 15 U.S. Code 1681i - Procedure in case of disputed accuracy 1 ( A ), After XXXX  days and not hearing anything back, On XXXX XXXX XXXX, I received a notice from a consumer reporting agency that a charge off for the same account appeared on my consumer file whilst the validity & procedures was being re-investigated in direct violation of federal compliance laws. To escape verifying it appears the alleged creditor has attempted to charge off this account in error.
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

I received an updated credit report with a " new '' collection added. Afni, Inc added a collection on my report in the amount of {$91.00} that was re-aged. This account has been re-aged and is falsely reporting to two of the three major credit bureaus as of today. They are in violation of Section 623 ( 5 ) ( A ) of the FCRA.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX for {$140.00} ; # XXXX for {$3200.00} ; # XXXX for {$140.00} ; and # XXXX for {$250.00} XXXX XXXXXXXX XXXX Account ending in # XXXX for {$230.00} XXXX XXXXXXXX Account ending in # XXXX for {$100.00} and account ending in # XXXX for {$200.00} 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, also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX, violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see.
Consumer complaint received 2018-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland has filed a civil suit aginst me on a debt that isn't mine i was not properly served instead of a certified letter or anything from Midland funding or the court. Instead i received a letter from a attorney asking if i needed legal representation for this court case after doing research on the local courts website i found out i was being sued by Midland funding i filed my answer and sent them a debt validation request to prove that i own this debt and they have failed to do so it has been almost a month and they have failed to validate this debt. there is no contract or chain of assignment or anything else in there complaint. After alot of research i have seen were multiple states including the state of ohio have filed lawsuits against Midland funding for their shoddy collection practices and they have sued many people in violation of the ( FDCPA )
Consumer complaint received 2021-12-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (CA)

I applied for Care Credit because my XXXX XXXX XXXX dog, XXXX had XXXX, and needed veterinary care. I called Care Credit from the vet 's office that day, and was approved for {$3000.00} immediately. I have been making auto-payments, and the total amount of my account is currently XXXX. Today, I noticed that my credit limit had been lowered to {$2200.00}, which then flagged the credit reporting agency, causing my credit score to drop by XXXX points as being over-limit on my Care Credit account. 

I just called Care Credit, spoke to XXXX, on XX/XX/2021, and she says this happened back inXX/XX/XXXX, and I was sent a letter stating that after reviewing my most recent credit scores, they decided to lower that amount. They say they sent me a letter, but I never received any notice, or letter letting me know this would happen. 

This seems a very dishonest business practice by Care Credit to approve me for {$3000.00}, then let months pass, then lower the credit limit to an amount LOWER THAN THE BALANCE! This would most certainly cause serious credit harm, which it has. 

I asked her to raise the credit limit back to what it was, and it was declined, probably because my credit score went from the XXXX 's to XXXX or so. This seems a deceptive and dishonest practice, and am hoping that someone can help me with this issue. 

Thank you, XXXX XXXX
Consumer complaint received 2022-06-10
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2021-12-21
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau date the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2022-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-06-10
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. (PA)

Hello my name is XXXX XXXX XXXX, I am writing in regards to the information incorrectly listed on my file. I am requesting that these items be deleted. The items I am requesting attention on are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-06-10
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: EQUIFAX, INC. (PA)

Hello my name is XXXX XXXX XXXX, I am writing in regards to the information incorrectly listed on my file. I am requesting that these items be deleted. The items I am requesting attention on are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-06-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I requested a history statmente for a closed Bank of America HELOC The bank refused to Email or Fax the statment. 
I provided account number and SSN yet they said we have to ask you secuirty questions, whitch was which of these phone numbers was yours? 
some of the questions was about information from 20 years ago!!!! 
i need the statment so i can close on another house in 10 Days they refused to supply me with information.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA returned our payment and clearly stated that a loan modification was best. They communicated to us, during the multiple attempts we've made via email and phone to make a payment, that during the loan modification and after it was approved our credit will not be impacted as the loan will still show under normal status. 

Nevertheless, even though we are still under the loan modification, they reported our loan 90 days past due in XX/XX/2024. They are not telling us that unless we pay the remaining balance in full our account will still show that it was 90 days past due even if the loan modification is approved. 

I have been a customer of USAA over 17 years and I am so disappointed with the lack of professionalism and the lack of integrity they are displaying by not honoring everything the clearly communicated to us.
Consumer complaint received 2021-12-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I have tried to resolve this with XXXXXXXX XXXX  bank and Experian. This was a secured card that I opened XX/XX/XXXX and I called a couple times to close the account in XX/XX/XXXX. When I called to close the car in XXXX of XXXX there was not enough balance and the security deposit would have covered the remaining balance plus some. But even though I called a few times to make sure that XXXX was closing the account and applying the security deposit, they did not. I stopped paying attention to it until I got a call that the card was open and there were late fees, etc. I was furious. I ended up having to pay an addition like XXXX $ in fees to XXXXXXXX XXXX and they reported me as deliquent and that negativity on my report is awful. 
In vain I tried to dispute it with Experian perhaps I didn't explain correctly but no more complaints can be launched against XXXXXXXX XXXX via Experian investigations. 

Someone did not do their job at XXXX XXXX  when I called to close the account and I am paying the price. I feel that I am owed the fees back that I paid as it shows as a charge of presently. I deserve to have this account removed from my report altogether as the way it appears is affectiong my stellar credit worthiness. 
On the many occassions I have tried to reach XXXX XXXX by the number listed on the Experian report I get a run around that they don't handle these issues and it is Experians problem. Either way, as a consumer it is bad business and I have put a tremendous amount of effort into fixing the wrong reporting status.
Consumer complaint received 2022-06-10
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. (VA)

Upon reviewing my credit reports in XX/XX/XXXX, I found an account from XXXX XXXX that showed as a closed account. I've reached out to XXXX XXXX to inquire why this account originally opened in XXXX and paid off in XXXX without any collection activity was shown as closed. The agency reported that they could not assist and directed me to the credit reporting bureaus. Upon reaching out to Equifax, I completed a debt validation request to which I received a response that it would be investigated. This account remains on my equifax credit report.
Consumer complaint received 2022-06-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX I received a text from a Bank of America-generated number that told me to confirm or deny a XXXX transfer of {$3500.00}. I responded " NO ''. As soon as I responded, the Bank of America customer service phone number ( XXXX ) called me so I answered. I was prompted by, who I thought, was a Bank of America associate telling me that in order to reverse this transaction of {$3500.00} I had to manually transfer the {$3500.00} back to my account using my phone number. So I followed his instructions and did two separate transactions of {$1500.00} and {$2000.00} ( since I didn't have {$3500.00} total in either my checking account or savings account ). After transferring the money, I waited for the next instruction and was abruptly hung up on. I quickly realized this was not right and called the Bank of America customer service number to speak to a real associate. After being on hold for around 2 hours, I was told I did the right thing by calling right away. The associate continued to open two claims for the two transactions. After speaking with him, he told me that all I could do was wait and would probably hear back around the 10th business day. 13 days later, on XX/XX/XXXX, I received an email saying that my {$1500.00} claim was denied and that I would not be credited. I received no update about the {$2000.00} claim but can assume that would also be denied. So basically after waiting for 13 days, I only received an update on one of my claims and I was told I was not getting my money back. After meeting with a Bank of America representative at a local branch, she told me that I should file a police report so I have documentation of what happened. She also explained to me that it is difficult to get the money refunded because I made the transfer myself. I reiterated multiple times that I was scammed into transferring the {$3500.00} dollars. I called Bank of America yet again to tell them that I want the analyst to look at my claims again and after waiting an hour, the associate seemed confused with my situation after I explained it to numerous associates. The letter I received via email explaining why my claim of {$1500.00} was denied did not make sense and actually told me to try and contact the person I sent the money to ( which how is that possible when I got scammed from the Bank of American number ). They also proved a number I could call to ask for all documentation that the analyst included in their decision to approve or deny my claim. However, when I called that number I was told I need a subpoena from a lawyer in order to get access to these documents. As of right now, I filed a police report and completed an IC3 complaint form as well. However, all Bank of America has done is tell me a million different things and that I simply need to wait.
Consumer complaint received 2020-01-29
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. (MA)

XXXX, XXXX  and EQUIFAX, are reporting an account on my credit report wrong, the name of the creditor is inaccurate, the account was sold to a different company, XXXX  is reporting the account as XXXX/XXXX  XXXX, XXXX  is reporting the account as XXXX XXXX  XXXX XXXX/ XXXX   XXXX and EQUIFAX is reporting the account as XXXX  XXXX XXXX XXXX. Please delete the account as it is affecting my credit worthiness, the FCRA says that by federal law everything on my credit report needs to be 100 % accurate.
Consumer complaint received 2022-06-10
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. (IL)

In accordance with the Fair Credit act The XXXX XXXX XXXX Bank Account 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.