davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-25
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'm just coming home from being XXXX  for the past 7yrs only to find out that my identity has been used and destroyed within the credit reporting system. I'm asking that the following accounts be blocked from my credit file immediately.

1 ) XXXX/XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX  XXXX XXXX  XXXX 4 ) XXXX/XXXX
Consumer complaint received 2020-02-25
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'm just coming home from being XXXX  for the past 7yrs only to find out that my identity has been used and destroyed within the credit reporting system. I'm asking that the following accounts be blocked from my credit file immediately. 

1 ) XXXX/XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX  XXXX XXXX  XXXX 4 ) XXXX/XXXX
Consumer complaint received 2021-06-15
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. (GA)

This is my second time in 2 months disputing the inaccurate information Experian is reporting on my credit report. Experian is reporting an inaccurate bankruptcy account. They are not even attempting to verify with XXXX, the furnisher of the information. If Experian did what they are required by law to do, they would see the bankruptcy has been deleted/removed by XXXX. I provided this proof with my last complaint, and they still are reporting this bankruptcy. Please make Experian abide by the law and the FCRA and properly respond to this dispute. 

On today when I called to inquire about the dispute results they said they had verified with XXXX that the account was accurate. I immediately called XXXX and they affirmed this was not true. The rep further stated that their is no bankruptcies on my report. 

What is my recourse when Experian is clearly ignoring the laws as well as the furnisher of the information?
Consumer complaint received 2022-12-01
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/2020 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 2021-06-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Southeast Finance Inc. (CA)

My husband and I applied for a boat loan and were sent a letter though email saying it was a quote of the length of months and interest rate for the loan. The letter showed a chart of different options for us to choose from at a rate of 4.49 % and up to 180 months. It said to upload our picture IDs and W-2s on their online portal. After I uploaded all documents, I called the loan officer and left a voicemail to let her know I uploaded all docs and I entered my w-2 on another tab since there wasnt enough room. The loan officer called me back and told me the interest rate was 9.95 % and at XXXX months. I told her that wasnt what I read on the quote and that I saw 4.49 % and up to 180 months. She said that wasnt sent by me. I tried to look for the email while she was on the phone and couldnt locate it. She again said, that email wasnt from me. I told her I would talk to my husband and call her back. After I hung up, I looked and found the email quote which showed the 4.49 % and up to 180 months sent by her company. I forwarded the email to the loan officer showing her the quote and asked her to honor it. She called back and was rude and said no, cant do it. I told her that I would see if I can shop around for a lower rate because that was too high and asked how much time do I have to look around. She told me I had 45 days. As I was hanging up, I looked down at my table and saw our IDs on the table since I had took the pic to send to the loan officer and didnt put them back in our wallets yet. I then realized that I received a different rate after I sent our IDs over and shows my husbands picture ( he is XXXX American ). I was hoping that wasnt so, but it was. I was going to ignore it but it bothered me a lot. I looked online and saw there are laws against finance discrimination. I called the loan officer back and left a voicemail telling her I wasnt happy with her service and explained there are certain laws against discrimination and I hope that wasnt the case. I also asked to speak to a manager/supervisor because I wasnt satisfied with the outcome.
Consumer complaint received 2020-02-25
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: DISCOVER BANK (FL)

I have been trying to work with XXXX  for several months regarding two fraudulent accounts, fraudulent addresses, inquiries, and mix of SS numbers. As a victim of the XXXX  security breach and a Victim Of Identity Theft since 2004. I have sent multiple FTC Reports that validates as affidavit and police reports and XXXX  refused multiple times to completely BLOCK the Discover Card Account and XXXX Both Fraudulent according to FCRA 605B completely ignoring compliance.
Consumer complaint received 2020-02-25
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CHALLENGE FINANCIAL SERVICES (CA)

the payments are not apply correctly, already file a complaint once, but this guy who said is a manager there, call me when I was busy and I ask for document that state why they not applying the money I send to the account but he said that I have some credit for the money I send but if I paid off I guess that extra money will be taken by the company and not applied to my loan, this person was more concern on convincing me of writing a good review other then fixing the matter, I just send XXXX dollars and the statement I received shows a payment of XXXX, doesn't reflect the money I sent and want to know where is the rest of the money?. seem like they trying to take my money but I will fight to the end for my money, I have been advised to contact my local police department and show the documents and contract and if they find something wrong will opened and investigation with I will do if nothing is fixed.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Incorrect addresses added to my credit report. I have never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (NY)

American express sent me a platinum credit card, and failed to tell me they will charge {$550.00} for it. when I discovered it in their first bill I paid whatever I used and closed the account, they consented to closed and adjust to {$0.00} but they did not., instead the account appears in collection and unpaid the amount was {$550.00} for the fee, annually and unused. 
this account is hurting me.very deeply. I DO NOT OWE THEN ANY MONEY. the account # is XXXX. 
you should fine this company on top of forcing them to correct, and they also have waken and disturbed my sleep with tons of calls. 
I will not pay for what I do not owe. 
I will take this matter into whatever consequence because I love justice.
Consumer complaint received 2020-02-25
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. (CA)

This XXXX XXXX  account with Account number XXXX is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities.
Consumer complaint received 2020-02-25
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: TD BANK US HOLDING COMPANY (CA)

This TD Bank account with Account number XXXX is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma (CA)

Credit karma just settled a class action lawsuit and they are still doing the exact same things they just settled for. They gave me a karma guarantee badge offer where if I apply and am denied they say they will pay you {$50.00} XXXX applied for a proseper card thru credit karma and connected my bank account thru plaid services and got a preapproved offer for {$500.00}, then I got an adverse action report that said they could not verify the information on my credit application and I was denied credit karma refuses to pay the {$50.00} saying it was an incomplete application, when I was denied for many other reasons per prosper. Also credit karma currently has 4 offers for XXXX credit cards and one for XXXX XXXX XXXXl rated with outstanding odds of approval when there is 0 % chance of approval as discover requires that you only have one hard inquiry at time of application and your application has to be the second hard inquiry or lower. I have XXXX hard inquiries depending on which bureau you look at. How can I have outstanding odds when this is the case? This is click bait scams they know I would be denied as I know this so should they. The give inaccurate odds of approval that have no chance at approval and giving acces to my consumer report to multiple lenders, I also clicked on a personal loan to see if there were any pre payment penalties and it started to show a loading symbol and said pulling credit, they never asked me if this was ok and I quickly backed out of the search and closed the app but they still provided my consumer report to three lenders including XXXX and I was given three notices of denial, these actions are wrong and something needs to be done, there are probably thousands of Americans a day effected negatively by their inaccurate approval odds, they just want applications and do not care if you actually get approval or not.
Consumer complaint received 2017-01-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

I had a small credit card account with 5th third bank that I rarely used and had a XXXX balance on. At some point they charged me an inactivity fee but NEVER sent me a statement via Email ( how my account was set up or us mail ) Causing me to go 30 days delinquent I caught this because I got turned down for credit and I got a copy of my credit report. 
I called 5th 3rd and sure enough they told me abut the issue. I Arged with them and they reversed all fees Late and inactive and closed the account for me. I asked if I was goinng to still be considered 30 days late ... They said no so I waited and ordered another credit report to find they still had me reported as 30 days late. I disputed the report and they responded that the reporting was accurate. I am attaching a statement to show they reversed the fees. I want my credit report restored to a never late on this account and I think 5/3rd should pay me {$200.00} for my time and inconvenience in fixing this
Consumer complaint received 2020-02-25
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. (IN)

EXPERIAN HAS IGNORED ALL SUPPORTING XXXX XXXX DOCUMENTS I SENT WITH DISPUTE XX/XX/XXXX PROVING THEY ARE VIOLATING MY RIGHTS UNDER FCRA LAWS-EXPERIAN STATED ON XX/XX/XXXX XXXX XXXX IS THE SOURCE OF VERIFICATION AND THAT THE PUBLIC RECORD BK-XXXX WAS ACCURATE ON MY CREDIT FILE, I SENT THE DISPUTE XX/XX/XXXX TO EXPERIAN AND XXXX XXXX DOCUMENT STATING THEY DELETED BK-XXXX  FROM MY FILE XX/XX/XXXX IT IS ATTACHED IN THIS COMPLAINT TO CFPB ALONG WITH THE INDIANA ATTORNEY GENERAL COMPLAINT RESULTS DOCUMENT FROM XX/XX/XXXX SHOWING XXXX FOLLOWED THE FCRA LAWS AND REMOVED BK-XXXX  FROM MY FILE AND ALSO ATTACHED IN THIS COMPLAINT IS XXXX DOC SHOWING THEY DELETED THIS ITEM ALSO, EXPERIAN IGNORED SUPPORTING DOCS AND CONTINUES TO VIOLATE MY RIGHTS.
Consumer complaint received 2020-02-25
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. (CA)

On XX/XX/XXXX, I was informed by my credit monitoring company that my credit score decreased because of a new credit inquiry. I had not requested a credit check for any financial products or services. I checked my credit report and found a new credit inquiry from the following : XXXX via XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I have never requested credit from XXXX and definitely I did not authorize this credit check. 

On XX/XX/XXXX I mailed a letter to Transunion ( who reported the credit inquiry ) and included a copy of my credit report with the transaction highlighted. 

On XX/XX/XXXX I received a letter back from Transunion saying " After reviewing your dispute request, we found the information you disputed does not currently appear on your Transunion credit report ''. 

I checked my credit report again today XX/XX/XXXX and saw that the credit inquiry is still on my report. Please help!
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (MN)

I signed up for the XXXX XXXX card from US Bank on XX/XX/XXXX. This card came with an offer of XXXX points for spending {$4500.00} within 3 months ; an obvious incentive to spend on the card. On XX/XX/XXXX, I called the company to warn that I was about to make a large ( {$3000.00} ) payment for a car lease, and then placed said charge. A few days later, my account was locked and then closed. This is a bait and switch tactic, as the account was approved and I was incentivized to spend, and then penalized for doing so. I should note that the account is now paid in full.
Consumer complaint received 2021-06-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MN)

I have not been notified of this collection, I have never received a message nor have they provided me with any proof that I owe them, this collection that appears in my credit report affects me directly since it damages my score and my credit history, I consider this a violation since they have not contacted me and only uploaded it to my report.
Consumer complaint received 2018-05-08
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: WELLS FARGO & COMPANY (CA)

On XX/XX/2018 my Wellsfargo XXXX card was charged without my permission to purchase four tickets from the XXXX. When I noticed the activity I immediately contacted XXXX and cancelled the flights and I was assured by XXXX that I'll receive a full refund. I also filed a dispute with Wellfargo in order to ensure that I'll be protected. It has been over 2 months now but I never received credit from The XXXX or Wellsfargo. I'm  highly disappointed since I never made the purchase plus I had cancelled the flights after noticing the activity. Total amount charged to my credit card was {$1100.00}. Please help me to get my money back. 

Thank you, XXXX XXXX
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a complaint to all three credit bureaus XX/XX/2019. Addressing XXXX XXXX on my credit report. XXXX XXXX  Acct # that appears on my credit report is XXXX. My name is inaccurate and the account that is tied to this account is not mine. According to the complaint I filed XX/XX/2019 w/complaint ID # XXXX this account was removed from my credit report. As of XX/XX/2019 it was reported back. The exact same account.
Consumer complaint received 2020-02-25
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. (AR)

Recently a few weeks ago I submitted an identity theft report containing fraudulent established accounts that were reported on my XXXX, XXXX, and Transunion credit file. As of today I received a response from XXXX  and Transunion in regards to my dispute with several of the fraudulent accounts still displaying on my credit file. XXXX  and Transunion both have violated the Fair Credit Reporting Act as well as my rights as a consumer by continuing to report these fraudulent accounts on my credit file. Under section 605b, the fair credit reporting states accounts established due to identity theft must be blocked by the bureaus within 4 days of notification from the consumer. In addition XXXX  or Transunion failed to provide 100 % accurate verification on how they verified the fraudulent accounts that are still displaying on my credit file. XXXX  has failed to respond to my dispute.
Consumer complaint received 2019-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: National Credit Services, Inc. (MD)

I received an offer of settlement from the servicer National Credit Services dated XX/XX/2019. Ive contacted this company by phone on at least four occasions. The services has failed to contact me and discuss the terms of settlement being offered by the US Department of Education.
Consumer complaint received 2020-02-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CA)

On XX/XX/XXXX, I called my lender, Mr. Cooper to inquire about refinancing with cash out because I need to pay my huge student loan and for home improvement. I was told that I have a suspense account of {$94000.00}. I asked, how come and what is that?. They said it's from a loan modification with my previous lender, XXXX  XXXX XXXX. I told them, there was no loan modification done with XXXX. So I asked them to email me a copy of that loan modification with my signature. The representative, XXXX told me that there was nothing in their file that she can find with my signature. So she emailed me a loan modification without a signature. I told them that is illegal because I did not authorize XXXX or any lender to do a loan modification for me. I called XXXX myself and spoke with XXXX from XXXX XXXX XXXX. She confirmed that there was no loan modification done. She also said that my account was sold to Nationstar in XX/XX/XXXX, which is now called, Mr. Cooper. I called Mr. Cooper again and asked to speak with a manager. Following day, the manager, XXXX XXXX called me which I told her the same thing. We had the same discussion and I told her that if they can't provide loan modification docs with my signature, then they have to get rid of it. I made it clear with her that I need this issue cleared soonest possible because I need to apply for cash out refinancing to pay my debts while the rate is still low. Then I found the letter from XXXX in my file proving that there was no loan modification ever done. So I emailed it to XXXX. Today, she called me again without a solution and telling me again that they are searching for loan modification docs. I said to her that they won't find anything since there was no loan modification ever done and I already emailed her the letter from XXXX proving that there was no loan modification ever done. She confirmed that she have received it and that she showed it to her supervisors. XXXX said she'll get back with me again. I told her I want to hear from her before the end of this week with a resolution. I really think they are just giving me the run around. Please help me. I really need to pay my student loans as soon as possible. Thank you.
Consumer complaint received 2020-02-25
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: Onity Group Inc. (DC)

On my report saying I have a XXXX  XXXX  showing up a as XXXX   inspection violations.Showing up I owe landlord that have been paid off. A lot of incorrect information on my report that rental company pulled.
Consumer complaint received 2020-02-25
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. (AR)

Recently a few weeks ago I submitted an identity theft report containing fraudulent established accounts that were reported on my XXXX, Experian, and XXXX  credit file. As of today I received a response from Experian and XXXX in regards to my dispute with several of the fraudulent accounts still displaying on my credit file. Experian and XXXX  both have violated the Fair Credit Reporting Act as well as my rights as a consumer by continuing to report these fraudulent accounts on my credit file. Under section 605b, the fair credit reporting states accounts established due to identity theft must be blocked by the bureaus within 4 days of notification from the consumer. In addition Experian or XXXX  failed to provide 100 % accurate verification on how they verified the fraudulent accounts that are still displaying on my credit file. XXXX  has failed to respond to my dispute.