davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-20
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and a couple of inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 

XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$70.00} XXXX  XXXX {$4800.00}
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I attempted to obtain a " free '' credit report from TransUnion 's site. Multiple orange-colored buttons are present on the site. I clicked XXXX that - unbeknownst to me - brought me to https : XXXX? XXXX & XXXX % XXXXXXXX XXXX XXXX After filling in the information and providing a credit card number I carefully read the legend on the bottom of the screen looking for a dollar amount - not finding any fee or dollar amount charge I clicked through - only to be signed up for a {$24.00} / month credit monitoring service. I called and requested a refund, which they claim they are " processing '' I apparently clicked the wrong orange button. Highly misleading website. No disclosure of the charge that was incurred.
Consumer complaint received 2022-03-08
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: PENTAGON FEDERAL CREDIT UNION (NY)

I was on the PenFed credit Union website just browsing for auto refinance prices.I found an offer clicked continue to view terms and fees just to get an estimate and my credit was ran and a XXXX point inquiry on my credit report.
Consumer complaint received 2021-04-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Absolute Home Mortgage Corporation (NJ)

Lender did not provide appraisal despite signature on previous paperwork that we would like to receive a copy. They charged {$470.00} to my credit card account on XX/XX/21 ( today is XX/XX/21 ), but we never received the report. We are now one business day away from closing and have been unable to secure it. Lender has been generally unresponsive to our requests and has been otherwise hard to work with, but this clearly breaks all agreements and documents we have signed thus far.
Consumer complaint received 2020-02-20
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. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and ID. I continued with my everyday life and never had a issue. Just of couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the amount of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2020-02-20
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. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and ID. I continued with my everyday life and never had a issue. Just of couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the amount of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2020-02-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (GA)

My car was Totaled on XX/XX/XXXX i had a XX/XX/XXXX XXXX XXXX  and it was under the bank Santander Consumer USA. My XXXX XXXX insurance payed off majority of the car which was about {$9700.00} with a remaining balance of {$5000.00} the rest was supposed to be covered from my gap plan. Since the beginning of my auto loan i had been paying {$540.00} each month which was outrageous but i was never able to come back from that price and bring it down in a refinance. In XX/XX/XXXX i was behind on payments and had to get my payments reduced for a 6 month period down to {$320.00}. At this point i was unaware that this would hurt my gap coverage balance if i ever got into a car accident. Being as that i ended up getting into a car accident my gap coverage is only paying {$1500.00} of the remaining balance because of the extension. I was not aware of this and santander has evidently gotten away with this before with other customers in a settlement in XX/XX/XXXX. Below i will attach all files ( settlement from insurance, gap program information ).
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. XXXX  has XXXX, ACC # XXXX  as Date Opened : XX/XX/XXXX, however Experian has the following info claiming to be accurate as Date Opened : XX/XX/XXXX, and XXXX  has the following info claiming to be accurate as Date Opened : XX/XX/XXXX. XXXX  has XXXX, ACC # XXXX as not showing on the credit report AT ALL, however Experian has the following info claiming to be accurate as High Balance : {$0.00}, last payment not showing anything, and the credit limit as {$7000.00}, and XXXX  has the following info claiming to be accurate as High Balance : {$7000.00}, last payment XX/XX/XXXX, and the credit limit as not showing on the credit report. XXXX  has XXXX  XXXX, ACC # XXXX as not showing on the credit report AT ALL, however Experian has the following info claiming to be accurate as High Balance : {$0.00}, last payment on XX/XX/XXXX, and the credit limit as {$3200.00}, and XXXX  has the following info claiming to be accurate as High Balance : {$3400.00}, last payment XX/XX/XXXX, and the credit limit as NOT showing on the credit report. XXXX   has XXXX  XXXX XXXX  XXXX XXXX, ACC # XXXX as not showing on the credit report AT ALL, however Experian has the following info claiming to be accurate as High Balance : {$14000.00}, last payment XX/XX/XXXX, and Payment Status : 150 Days Late, and XXXX  has the following info claiming to be accurate as High Balance : {$0.00}, last payment XX/XX/XXXX, and Payment Status : 120 Days Late. XXXX  has XXXX XXXX XXXX, ACC # XXXX/ XXXX as not showing on the credit report AT ALL, however Experian has the following info claiming to be accurate as XXXX XXXX XXXX  , ACC # XXXX  High Balance : {$7600.00}, last payment XX/XX/XXXX, and Credit Limit : {$7000.00}, and XXXX  has the following info claiming to be accurate as XXXX XXXX XXXX, ACC # XXXX   High Balance : {$7000.00}, last payment XX/XX/XXXX, and Credit Limit : {$0.00}. If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please DELETE the following account from my credit profile immediately!
Consumer complaint received 2022-12-15
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. (AL)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (DE)

TRANSWORLD SYS INC/51 has a medical account for XXXX XXXX in Delaware. I was unaware of this past account until it showed on my bureau. I called to inquire about it on XX/XX/21. I spoke to a representative on that day and also paid the total amount owed ( {$180.00} ). As of XX/XX/21 the account was paid in full and I received a confirmation number # XXXX. The account was reported as past due again on XX/XX/21. I called the company again on XX/XX/21 and spoke to XXXX XXXX who indicated that the account was still open and did not see my payment. She indicated that she saw that I called in but the person that took my payment did not note my account. I checked my account and the money was taken out of my account on XX/XX/21. She indicated that her manager told her to put my account in dispute because they have to look for my payment. This is unfair treatment and this account should not have been reported to my bureau as past due since it was paid. It also should not have been reported if I was not even aware of this past due balance in the first place. I never received any form of communication from this company. The rep told me that I would need to call back in a few days because it is not known when this issue will be fixed. Again, unfair treatment and inaccurate credit bureau reporting. In the mean time, I am negatively impacted. Please look into this.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

Called 21 times trying to fix addresses on my credit file.People that answered was rude and disrespectful to me.I had credit correct information correct to access file and still the agent would not let me correct fraudulent information on credit file.
Consumer complaint received 2020-02-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (MA)

I bought my house XX/XX/2019 and was in a flood zone X another mortgage company bought my house and says Im in a flood zone AE and that I have to get flood insurance I sent them my paperwork saying Im in a X zone and they told me it was under review XX/XX/XXXX I received a letter saying I had 45 days to get insurance from the date of the letter XX/XX/XXXX I recieved another letter saying that they had put forced flood insurance on me in the amount of XXXX that is not 45 days I went and got my own coverage effective XX/XX/XXXX and my insurance company sent over all the paperwork in the mean time my mortgage company took money from my escrow and made it negative Ive sent them all the paperwork to prove they screwed up and my escrow is still negative and now there telling me that my mortgage payment is going up another XXXX dollars and I cant get any answers how is my mortgage going up XXXX dollars?? They screwed up and Im the one getting screwed???!???
Consumer complaint received 2020-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I was charges late fees of {$39.00} on my capital one account # XXXX XXXX XXXX XXXX on XX/XX/2020. Upon calling bank, bank reversed charge on XX/XX/XXXX of {$39.00}. 
On XX/XX/2020. I made payment of {$140.00} on Due date Thus total credits and payment of {$170.00}. Minimum amount due was {$170.00}. 

On XXXX XXXX XXXX I was charged again {$39.00} late fees again. I called capital one bank and talked to XXXX, an agent # XXXX requesting to resolve of late fees. She refused to remove late fees. This is not correct as any credits and payments should considered payment of minimum payment.
Consumer complaint received 2020-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BBVA FINANCIAL CORPORATION (FL)

My direct deposit met the requirements by qualifying as {$500.00} or more. My direct deposit was a cumulative for {$500.00} or more because I get paid sometimes daily sometimes weekly its very random. 

BBVA Bonus {$250.00}
Consumer complaint received 2019-09-25
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. (TX)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-02-20
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: SYNCHRONY FINANCIAL (FL)

This is not a duplicate I have a fraud issue with synchrony Bank I had to open this is not a duplicate complaint. Synchrony Bank alleges that they cant speak to me in regards to my sams club credit line as I am a guest user. False! I am the original credit card opener my wife XXXX was not even there at the time. I even have the paper from sams club application I added my wife to receive a card thats it. XXXX never signed her name excepting them running her credit. This company is fraudulent when I tried to call the number to discuss with them its a dead line. They discriminated against me when lowering my limit from XXXXnto XXXX dollars. Because of my ethnicity how else would they lower it?
Consumer complaint received 2021-02-17
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. (GA)

Equifax is reporting the account with XXXX XXXX inaccurately on my credit report. The account was paid and closed in XX/XX/2020. The balance is {$0.00}. However, the account status is reporting as 30 days late. This is inaccurate. I have disputed this information twice. It has not been corrected and the account is still reporting inaccurately on my report. Self Lender advised me that they have reported the account as paid to the credit bureaus and the account should reflect this and should no longer report as 30 days late.
Consumer complaint received 2020-02-20
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. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and ID. I continued with my everyday life and never had a issue. Just of couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the amount of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2021-12-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

PNC has committed fraud towards me and in regards to my HELOC Home Equity Line of Credit. The interest rate they charge is contingent on several factors. One of them being that I receive a 1 % reduction in rate if I pull $ 30k from the line and carry the balance for at least 3 billing cycles. Right when my HELOC closed, I called in on XX/XX/XXXX at XXXX and spoke to XXXX XXXX on a recorded line ) who was very helpful. She confirmed the promotion of 1 % discount on rate for a $ 30k pull. She actually even completed the transaction for me over the phone, pulling the $ 30k from the line and transferring it to my bank account. She also confirmed if I kept the $ 30k balance through XX/XX/XXXX, I would automatically receive the 1 % discount. I ended up pulling more money out and then noticed by XXXX that I did not receive my earned discounted rate. I called in to PNC, they promised a quick response ( they never got back to me and I had to follow up twice ), and then I received a letter in the mail. The letter said " At the time the loan was closed, the promotion regarding a discount for withdrawing $ 30k or more, was not active, as it ended on XXXX XXXX. The current promotion is for a draw of $ 50k or more, to qualify for the 1 % discount ... ''. First off, I didn't even apply for the HELOC until XXXX of XXXX, so why would they offer me the promotion if it ended 6 months prior. Also why would customer service know about it when I called in right after my loan closed, confirmed it and help me make my $ 30k transfer ( please go back to the recorded line on XX/XX/XXXX, case # XXXX ). Furthermore, I have pulled out in excess of $ 50k as of XX/XX/XXXX. So even if your " Current Promotion '' is $ 50k, I still met and exceeded that marker and you are still arguing with me and not honoring the obviously valid promotion ( s ). I want my 1 % reduction in rate that I was sold on and promised.
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

I'm requesting XXXX XXXX to remove my HELOC was part of my chapter XXXX filed back in in XX/XX/XXXX. I tried numerous times to rectify this w/the credit bureaus.The loan was transferred to XXXX XXXX XXXX and paid in full back in XX/XX/XXXX. I want the incorrect reporting removed from my credit reports - all 3 major bureaus and I would like proof that it has been done.
Consumer complaint received 2020-02-20
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: GreenSky, LLC (FL)

Hello, I would like to file a complaint against Green Sky for improper credit reporting on my credit report. I had a loan with Green sky starting in XXXX of XXXX for XXXX XXXX for an alarm system. We returned all of the equipment in XXXX and they released us from the contract and advised that we owed XXXX balance on XX/XX/XXXX. XXXX sent over the information to Green Sky in XXXX of XXXX that we owed nothing. In the meantime Green sky has reported me late for XX/XX/XXXX and XX/XX/XXXX fraudulently. The problem is no one will change the date to XX/XX/XXXX and correct my credit. I sent a formal dispute on XX/XX/XXXX to Green Sky with a letter and all of the documentation to settle and correct my credit report, to date I have not received any response. I have spoken to them several times and no one will fix this problem. I am very upset that I have a 30 and a 60 day late on my credit report and I was not Late and didnt owe them any money. They removed the 2 late payments amounts and told me I didnt owe them a penny. I need your help in getting this corrected and can send all of the documentation I sent to them as well. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX FL XXXX