davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-16
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: Experian Information Solutions Inc. (OH)

In XX/XX/XXXX I received a letter advising me that a student loan through XXXX University was sold to a collection agency. I filed for Total Permanent Discharge ( TPD ) of this and all student loans in XXXX and final approval on XX/XX/XXXX. I contacted the collection agency with this information and XXXX which finally cleared up the " debt ''. However XXXX has reported late payments on the discharged loan in XXXX, XXXX and XXXX. 
I disputed this information with Experian & XXXX requesting the removal of all late payments, which has not be done. On top of it now they show the TPD discharge of the loan as a charge off, which is also wrong. Both Experian and XXXX have the TPD letter from the U.S. Department of Education ( XXXX ) but refuse to remove the negative information from my credit report.
Consumer complaint received 2020-02-16
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. (FL)

I requested that Equifax investigate a charge-off account with XXXX and provide documentation verifying the account per the FCRA. I have sent four requests to Equifax to provide the documentation and nothing has been provided. I have also requested the information from XXXX and they were unable to provide the information as well.
Consumer complaint received 2020-11-09
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. (VA)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I dont believe that these account and inquiries are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2020-11-09
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. (VA)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I dont believe that these account and inquiries are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2019-06-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SYNCHRONY FINANCIAL (CA)

I was contacted about a debt from banana republic. I request they send a validation of said debt in writing to the address on file which appeared to be mine. I also requested verbally that they cease phone collection attempts. I was told if I do that they will mark it as temporary hold and that I rub the risk of being sued. They said I wont be called for 4 weeks  unless I send a letter. I sent the letter immediately. They have continued to attempt to collect a debt they have failed to validate, and have threatened me that I will be sued if I dont cooperate.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (MD)

XX/XX/2023 - tried accessing my account in Experian and can not access account Two months ago I did access my Experian account with no problem to unfreeze and for increase in credit card limit and then quickly freezed account after credit limit approved in hours I want to unfreeze my credit report again, and can not access Experian online nor via phone. 

Even though I identify myself with birthdate and ssn online, Experian rejects it!!! 

On phone, even though I enter ssn, and zipcode and street address number, Experian does not allow me to speak to anyone! 

Pathetic service. I do not know what to do next. Failed online and on phone to reach representative.
Consumer complaint received 2020-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (WA)

I have provided XXXX 's with all required documents, ( FTC Identity Theft Report, Police Report, and Proof of Identity ), the company continues to report this information to Credit Reporting Agencies. This has impacted my ability to receive appropriate credit ratings and has tarnished my reputation as a consumer.
Consumer complaint received 2022-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I received a debt collection notice from XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX For XXXX XXXX from citizens bank n.a. , I returned their form starting this is fraudulent.
Consumer complaint received 2022-03-17
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. (MI)

experian is reporting telephone numbers that do not belong to me. Experian refuses to remove these numbers. The last time i tried to get these unknown numbers removed was on XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IN)

In the beginning of XXXX, 2020 a mortgage company ran a background check on me and lexisnexis sent back a report claiming that I have 4 foreclosure. I don't have any foreclosures. I don't even have a mortgage on my property.
Consumer complaint received 2020-11-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I mailed in my dispute on XX/XX/XXXX and recieved a response XXXX. The response was stating that Equifax items had been verified but they provided no proof of the original applications with my signature and proof of permissible purpose which is required in accordance with the fair credit reporting act. My information was impacted by the Equifax data breach in XXXX. I have also attached a police report from a concluding Identity theft incident. Pursuant to sections 605B, 615 ( F ), and 623 ( A ) 6 of the fair credit reporting act I am requesting that these fraudulent inquiries be deleted and blocked from my credit file.
Consumer complaint received 2023-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TX)

XX/XX/2021 I made dispute of about XXXX twice in same month. XXXX XXXX paid for my return flight and told me to go bank the bank reimburse me for one disput but not other equaling {$4000.00}. Now the fraud department has restricted me from debit card use and I glued with ftc to prove identity theft. I need a debit card and my account is never negative and have proof. 
They also will not let me open a business account from an issue 30 years ago and I ask to dispute I cant and I have no paper work. I feel Im in good standing and should have a debit card and he allowed to open business account
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

i disputed my bankruptcy, Transunion, XXXX, and XXXX are saying they got my information from one place and another place. The actual court house is telling me that they did not report it. therefore they could not have possibly verified this information. so this needs to be removed immediately. this has caused me distress and financially has harmed me with costs and lost opportunity.
Consumer complaint received 2023-04-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (IL)

I previously notified Wells Fargo that they were processing fraudulent transactions which attempted to debit my company 's checking account on complaint XXXX. These transactions appear to be coming from their credit card division which appears to have insufficient controls and/or is not following industry best practices to prevent fraud. 
The result of that complaint was Wells Fargo told me that there was nothing they could do to stop fraud routed through their credit card division. Since that date, 3 additional transactions have attempted to debit my account. I'll attach a file of the amount, the date of the transaction, the ACH trace number, and the included ACH payer id of Wells.
Consumer complaint received 2023-04-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please look at the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-04-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (GA)

I called XXXX XXXXvictoria secret because its showing up on my credit report that I owe {$360.00} and XXXX told me that I had to pay {$800.00} and I wanted to settle the debt for {$50.00} weekly and he told me that he couldnt do that and I had to pay {$520.00}. This debt is reported wrong and he was being rude and disruptive while on the phone talking about the debt trying to make me pay more money that is owed.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Ensuring punctual payments has always been my practice with this account, never allowing any payments to lapse into overdue status. I'm puzzled by the existence of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, necessary corrections should be made.
Consumer complaint received 2020-11-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

The end of XX/XX/2020 we contacted Lakeview loan servicing based on their letter to us offering a good refinance rate. We have been in contact with them since, sending in documentation they requested, often the same documents multiple times and then having to submit those same documents again because of the amount of time. 
our initial contact was XXXX XXXX. 
We have talked to the loan processors. First one XXXX XXXX then XXXX XXXX XXXX around XXXX XX/XX/2020 ) who is our current loan processor. 
The home appraisal was done XXXX XXXX XXXX company XXXX XXXX XXXX XXXX XXXX XXXX early XXXX. 
It is now early XXXX and the manager of the loan processors has refused to contact us and the loan processors put the delays off on the underwriters who we can't talk to. says they can not help and processor company XXXX XXXX XXXX XXXX says they don't do Refinances. 

What is the complaint - First is the long time for processing over 4 months ; Second the lack of support to contact someone to address the issue ; third the appraiser company we were told we had to use we feel gave us a low appraisal for XXXX issues. The house appraised for less than we purchased it for 5 yrs ago, even though the community and area prices have gone up each year. 

Biggest issue is the lack of action and communication with us.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Bureau of York, Inc. (NC)

We accepted a request by XXXX XXXX XXXX XXXX XXXX to explore food delivery. During the sales presentation in our home, we were told that the food is grown ORGANIC. Due to health concerns in our home, we were specifically only looking for ORGANIC growers. The sales representative assured us it was organic. 

When we found out through research that it was NOT organic, we met with a representative of the company who explained that the food was raised " free-range '' and " top restaurant quality, '' however the second representative ( a manager ) confirmed our fear that the company does not sell organic food. 

We asked to be released from the contract, and that the provider could pick up the food and a freezer it was stored in at their convenience. We were advised that they could not take back food, but they declined to release us from the contract. 

We placed no further orders, and have left their food and equipment untouched in our garage for their pickup. 

The next time we heard about this is when XXXXXXXX XXXX XXXXXXXX XXXX XXXX passed our account to a collection agency ( CBY Systems Inc. ) which immediately reported it to all three credit bureaus without any efforts to address the wrong. XXXX XXXX XXXX XXXX XXXX and CBY Systems apparently intend to inconvenience and shame customers into payment.
Consumer complaint received 2023-04-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (AL)

UPON PULLING CREDIT ON XX/XX/XXXX, I FOUND THAT THERE ARE SEVERAL COLLECTION ACCOUNTS THAT DO NOT BELONG TO ME. I HAVE NO IDEAL WHERE THEY CAM FROM. I HAVE NOT RECEIVED ANY NOTICES FROM THESE COMPANIES THAT APPEAT ON MY CREDIT PROFILE. I FEEL AS THOUGTH IN XXXX & XXXX, WHILE I WAS OUT OF THE COUNTRY THAT MY CREDIT & IDENTITY WAS COMPROMISED. 
THESE ACCOUNTS ARE AS FOLLOWS : XXXX XXXX/ XXXX  ( XXXX , GA ) XXXX XXXX XXXX XXXX XXXX ( XXXX, OH ) XXXX XXXX XXXX XXXX ( XXXX, OH ) XXXX XXXX XXXX ( XXXX XXXX , NJ )
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

In XX/XX/XXXX. 2021 my wife and I purchased an automatic dishwasher from " XXXX 's '' and were told if we put it on our XXXX 's charge we would get a 5 % discount. so that is what we did ( Charge was {$950.00} ) and when I received my next XXXX 's they were charging me interest on my purchase, which we had never received. My question is how can a company legally charge for a product and services they have not supplied. The dishwasher was not installed until XX/XX/2021 at XXXX. Also this is not the First time this has happened to us from XXXX 's another time we purchased XXXX counter tops and they were paid for ( On Charge account ) and never installed until until XXXX the following year, the whole time they were charging interest at 26.99 %. I guess shame on me for going back to XXXX 's I hope other people see this post to see what what XXXX 's is really about.
Consumer complaint received 2019-06-27
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This is the third time I have file a complaint. I am filing a complaint about some addresses that are not accurate on my credit report. My SS is XXXX my DOB is XXXX. I am trying to make a Home purchase and my credit report is full of errors. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2023-04-10
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. (CA)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2023-04-10
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. (GA)

Date of Fraudulent inquiry : XX/XX/2021, Company : XXXX XXXX XXXX Company address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Request Originator is fraudulent activity and I have already contacted all 3 credit bureaus & XXXX XXXX XXXX and reported this fraudulent activity that was not authorized by me or attached to any open account. I am contacting you guys to have this fraudulent inquiry removed.
Consumer complaint received 2021-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (CT)

When I take XXXX or XXXX theyll charge an authorization hold and then go to refund it its deducted from my balance but it never shows back up in my account they tell me that that just drops off so lets say Ill start with {$300.00} XXXX of it went for authorization holds in XXXX all the sudden they dropped off but the {$200.00} never came back in my account yesterday there was an extra {$260.00} in my account that was not there before today its goneThen my taxes came in and it deducted it from my taxes instead of the {$260.00} that was in my account and apparently not all of my taxes are there I dont know also signed up for unemployment my employment was deposited on the XXXX Ive never received it yet its never showed up on my statement so when trying to set up the payment on it the app to wear when Posits come into my account I receive an email it wont let me