davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC (AZ)

I called my Indigo Platinum Card to ask why I had 18 charges from XXXX XXXX XXXX & XXXX XXXX for XXXX & XXXX? I've NEVER been on XXXX & ordered anything, EVER. And in addition for each XXXX charges, they have also attached an additional charge of $ XXXX-XXXX, for each charge " they claim '', is from the merchant?!?!? These charges ARE NOT on my statement or DISCLOSED ( the only reason I figured it out was because there is a XXXX available balance when I just made a {$200.00} payment & the limits only {$300.00}. The customer service guy sounded foreign & refused to tell me if the vendors are out of the country? He said he could not see that information, I told him hes lying, I have other credit cards & I know he knows. Personally, I think its an inside job & they are paying themselves with peoples credit cards & then writing it off after the 30-60 days for its being sent to the fraud department for investigation. I told them if my card is charged for $ XXXX-XXXX  fee for each transaction, it has to be disclosed on my statement & its ILLEGAL, they cant just hide the fees & not tell me what its for or where it came from? I want this investigated immediately. These people are scamming big time. I told them I'm no accountant, but a {$200.00} payment on a {$300.00} card doesn't equal a credit line of {$.00} cents. Personally, I haven't used that card in months & I think they counted on me not looking & noticing there where charges.I closed the card down & the complaint was sent to the cards fraud department ( like that matters, it was probably an inside job ).
Consumer complaint received 2022-05-18
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. (IL)

I disputed incorrect information on my Trans Union credit report for a XXXX XXXX bankruptcy. The bankruptcy is still reporting as open and filed but it has been dismissed since XX/XX/2019. I have reported the correct information to TransUnion representatives on three occasions and they refused to correct the erroneous information. I explained to them how this was causing me great distress and anxiety because I need to move and was at risk of being XXXX due to the error, and that no one would grant me credit, rent or obtain a mortgage because of the bankruptcy still showing open on my credit report. I contacted TransUnion reps in XXXX, XXXX and XXXX to assist with the dispute and they would not correct the inaccuracy. They stated that they had investigated it and that it was accurate and I tried to tell them that it was not. They told me that I would have to contact the lender but the lender was the Bankruptcy Court. There was a number listed on my credit report and I called it and the clerk stated that they do not report any information to the credit bureaus and that the credit bureaus pay a third-party to report this information. If this is the case, the information is public so I can not understand why it was not updated correctly. I went on the website for the bankruptcy court and was able to print the dismissal papers myself so I do not understand why the credit bureaus could not do the same to help me and update their files to be correct. On XX/XX/XXXX, I spoke to two different TransUnion reps named XXXX and XXXX and then a supervisor named XXXX who researched the issue and said they do see the bankruptcy was dismissed on XX/XX/2019, but I had to wait until XX/XX/XXXX because it was still under investigation?!? He told me that I had to write a letter to them and send supporting documents to state that the bankruptcy was dismissed. I told him that I do not have XXXX additional days to wait for them to resolve the dispute and that the information should be removed immediately because I had already disputed it three separate times with no favorable results. I have to move in the next 30 days so this is unacceptable and TransUnion needs to remove this inaccuracy immediately! I never knew why I could not get approved for credit but it is because TransUnion has been reporting an open inaccurate bankruptcy on my report and refused to correct it for the last three years and this has caused me great distress, lack of resources, anxiety, XXXX, and mental anguish.
Consumer complaint received 2021-11-12
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. (FL)

I have disputed now three times with nothing back and information is still inaccurate. There are different names, addresses etc reporting on my credit and things that don't belong to me. 

What do I do for the credit agencies to fix these?
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

For the past week ( since Thursday XX/XX/2022 ) I have been reaching out to Equifax trying to fix a credit error XXXX  on my credit report. My credit was ran by a potential apartment complex that I am trying to move into and the credit error was sent back which has put my application on hold. The first time I have spoken with Equifax, I was transferred to a specialist where I gave my verification documents via XXXX and was told that they would call back after XXXX hours. I never received that call. I have called Equifax everyday since then and have been giving the run around. This issue hasnt been solved yet
Consumer complaint received 2021-11-12
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL (CO)

I contacted paypal credit customer service at XXXX on XX/XX/XXXX to gather information about a debt which is being reported monthly on my credit report. This account was removed from my report on XX/XX/XXXX. 

COMPLETED ON XXXX XXXX, XXXX ITEM IN DISPUTE : SYNCB/PPC DISPUTE REASON : Accuracy The payment history/rating is incorrect. 
The dates on this account are incorrect.

CONTACT INFORMATION SYNCB/PPC XXXX XXXX FL XXXX XXXX : Disputed item deleted XXXX investigated your dispute and deleted this item from your credit report. 
See your current report SYNCB/PPC Reported on XX/XX/XXXX {$2200.00} They informed me they can not provide information on account history or how to settle. The customer service representative gave me a telephone number to a credit collection firm which does not report to the credit bureaus and stated that firm is the only company whom could provide information on the debt being reported by SYNCB/PPC . I would like to gather information about the billing history of this account as I was unaware of the debt or the account itself. PayPal will not provide information on a collection account they are actively reporting on monthly. This is hurting my ability to secure a mortgage and auto loan putting my family in financial limbo. XXXX and XXXX removed the account from my credit report on XX/XX/XXXX but shortly after it was reported back and no information about the account billing history was provided to me.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$62.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX Balance : {$9200.00} XXXX XXXXXXXX Balance : {$2800.00}
Consumer complaint received 2021-11-12
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. (CA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2019-07-29
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. (FL)

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXX or XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-05-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: DriveTime (GA)

I bought a car from drive time and they told me the car was being financed at XXXX and sum and the car actually was XXXX dollars took the car back in 2 business day to get a refund and they being lie about the refund and still have not gotten it
Consumer complaint received 2022-08-30
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. (NC)

Please see the attached document. This is is not a duplicate. I have several disputes that point to XXXX XXXX XXXX. Please see attached document for several disputes included in one report as attached where the company XXXX XXXX XXXX has reported inaccurate data, or missing data, and malicious data. The complete complaint is in the attached document. XXXX XXXX XXXX is also reporting this collection as a regular tradeline account and they have failed to report this collection as a medical bill.
Consumer complaint received 2015-04-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CO)

On XXXX XXXX, 2015, I contacted Experian via XXXX in regards to some inaccurate information that is currently being displyed on my Experian credit report. In my letter, which I have also enclosed for the CFPB viewing I included a copy of my Colorado drivers license, and a utility bill, which Experian requested via thier phone message that they have for the consumer when the consumer calls to order thier credit report, if the information they have on file for them does not match Experian records. 

I would now like to take the time to address the letter that Experian sent to me in responseto the letter that I mailed to them with my disputes enclosed. Experian has written in thier letter to me, Dear XXXX XXXX XXXX XXXX, we recieved a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious request are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. Experian will apply this same policy to any future suspicious requests that we recieve regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
I would now like to ask Experian how did they come to the determination that my dispute were suspicious? because I sent the correspondence to Experian, that they requested in order to begin my dispute process! According to the FCRA Experian as they are no doubt aware that what they are doing is illegal, and is in VIOLATION of the FCRA LAWS! 

This is written notice to Experian that thier claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the addresses, phone numbers, and the erroneous names in which have been illegally displayed on my credit file be verified, and if verification can not be made within the 30 day time frame allowed to Experian by law. The disputes listed in my original complaint must now be completely removed from my credit report. ( Experian will now exceed the time frame allowed to them by law, i sent my disputes out to them on XXXX XXXX, 2015 ). 

Experian legal staff will agree that compliance with this request is required under the laws of the FCRA and Colorado and Federal Statutes. Per the FCRA each disputed item that Experian continues to disply on my credit report, once they have exceed the dispute process time limit, could result in a {$1000.00} fine per disputed item as Experian is no doubt aware.
Consumer complaint received 2021-11-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A. (TX)

On, XX/XX/2021, money was sent by wire transfer from XXXX XXXX  to BBVA Bank ( which is now PNC ) to pay off my loan in the amount of XXXX. PNC has had the funds since that day, however repeatedly said that they did not receive it. On XX/XX/2021, it was found that PNC did accept the funds Case # XXXX on XX/XX/XXXX and the money is still sitting in a GL account and has not been applied to my loan that has grown with interest since XX/XX/2021. PNC Bank is holding my money. I have asked repeatedly to either return the wire so that a check can be issued and I will hand deliver it to them or it can be over nighted or apply the funds to pay off my loan. Neither has happened to date.
Consumer complaint received 2019-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES (TX)

On XX/XX/2019 I wrote five ( 5 ) checks to various Companies that we had payments to make, all with a XX/XX/2019 date, and included our mortgage payment to Provident Funding, and mailed the payments via USPS as usual, 2 or 3 days prior to the XX/XX/2019 date. We have not been late paying our mortgage payment which had a due date of XX/XX/2019, and after that date it is considered late. All the other Companies I mailed our payments into all received our checks well in advance of the due dates, except Provident Funding. I have attached our XXXX Checking Checks Paid Statement and copies of the duplicate checks I wrote on XX/XX/2019 and dated the 5 payments for XX/XX/2019. On or around XX/XX/2019 I received an email from Provident Funding showing our mortgage payment posted XX/XX/2019, one ( 1 ) day after the due date of XX/XX/2019, and I called Provident Funding Customer Service and told them that I had mailed this payment almost 3 weeks prior to the posting date, and they said nothing about a late fee. About three ( 3 ) days after that I received notice that we were being charged a late fee of {$35.00} for something we didn't cause or do and have never been late in the past. I called Provident Funding and tried to explain and requested the late charge be removed and they refused. They also implied a threat of sending this to the Credit reporting Bureaus.
Consumer complaint received 2017-10-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I fell behind on my payments due to financial reasons and have not been able to catch up until recently. Ocwen never reached out to me to offer me help or assistance. I do recall reaching out to them and being told there was nothing I could do that they would be proceeding with the sale. After speaking with some friends and attorneys, I realize that this is not right nor fair. The Homeowner Bill of Rights state that the lender should be assisting me throughout this process and helping me find alternatives to foreclosure. I have never been assigned a point of contact and I have never been offered help.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Guild Holdings Company (GA)

I was shocked when I viewed my credit report and found late payments below.. 
Creditor : Guild Mortgage Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX, XXXX, XXXX and XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.
Consumer complaint received 2022-12-16
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. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-07-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Resurgent Capital Services L.P. (FL)

72 e-mails received of which 26 were received on a Saturday or Sunday defined as inconvenient time, 1 received on Saturday and outside the contact peiod, and 6 were multiple e-mails received at same time.
Consumer complaint received 2024-03-12
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. (LA)

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. 

Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX 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 2024-03-12
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. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2022-05-18
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. (TX)

I found an inquiry from XXXXXXXX XXXX XXXXXXXX dated XX/XX/XXXX on my credit report. I called and spoke with a gentleman by the name of XXXX I explained I did not authorize the inquiry and was told he would need to check the cameras for that day???? How would checking the surveillance cameras assist in finding out who or how my info was provided. You need a social and a valid ID for that. He then directed me to XXXX in financing. I left two voicemails but I have not heard back. I reached out To the XXXX of XXXX through XXXX and received a response from XXXX. Was contacted by XXXX XXXX who unfortunately was unable to assist but suggested I should call XXXX XXXX. I just need a letter of explanation or remove the inquiry from my credit report please. 
I have not visited XXXX of XXXX. I just purchased a XXXX in XXXX of XXXX.