davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-02
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. (FL)

When applying for a refinance on my auto loan the company I applied through only checked my XXXX report. Which was frozen. I Was told they would be checking Experian therefore I had lifted my freeze For XXXX days with Experian. XXXX days following this incident I took a hit to my credit score with Experian due to a hard inquiry during that time period. Upon checking the name of the company listed on the inquiry it was not related to the application for refinancing. I called the phone number listed for the inquiry and spoke with what I found out to be a credit union that could not explain to me why they had an inquiry listed on my credit report. So I proceeded to move forward with a dispute through Experian for what I assume to be a mixup. I explained the situation to XXXX different representatives from Experian both of which insisted that I proceed through the fraud department which I felt was extensive and a waste of time and resources. But due to the drastic change of my credit score and no other options I spoke with the fraud department and explain the situation. XXXX told me that he could not tell me The information that he had but he could not dispute that inquiry and then I was out of luck and proceeded to ask me if I had any other inquiries I wanted him to dispute. I continue to ask what my next option would be to have it removed and he said to call the company in which I had repetitively explain to him I already had. I told him that if this were the case then indeed it would be identity theft and to proceed with that plan. XXXX told me that he could not do that either. He told me that I was stuck with us even though we had no answers to why I had it other than the information that he apparently had about the inquiry and would not give to me.
Consumer complaint received 2019-05-02
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. (AL)

My credit reports from all agencies continue to report I have continued late payments on accounts, also, delinquencies on accounts. I have not been late or delinquent on any accounts in years. I would like this corrected, as well as all information seven years or older. I have attempted to have this done, but the person I spoke with told me I wasn't able to request that by done. I have requested other times, and the old information was taken off. I have accounts stating they are closed when they were paid off in full. Please address these issues, and update my file and score. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2020-02-24
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. (FL)

To whow This may Concern ; I decided to check my credit and i notice that my scores was down, so i look futher into the the situation and i notice that there are Accounts that i did not Authorize on my credit which i cant understand so this report is to help me reslove this matter
Consumer complaint received 2020-02-24
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 decided to get my credit pulled due to a couple of bills I kept receiving in the mail. I have never heard from the place before. Therefore, I suspected identify theft. When I received my report I was caught by surprise with a couple of things I have never heard of. The things on this application do not belong to me. Please remove these items from my report.
Consumer complaint received 2020-02-24
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)

I was trying to get my son a new vehicle because his broke down. My salesman told me that I would be eligible, but with a very high interest rate due to my credit. I then ask to see my report and realized there was things on there I have never seen. These items need to be removed as soon as possible.
Consumer complaint received 2020-02-24
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)

I was trying to get my son a new vehicle because his broke down. My salesman told me that I would be eligible, but with a very high interest rate due to my credit. I then ask to see my report and realized there was things on there I have never seen. These items need to be removed as soon as possible.
Consumer complaint received 2018-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC (TX)

I was at work when my bank notified me that a {$9200.00} hold had legally been placed on my joint account with my wife. I went to the branch and they said a law firm had gotten a judgement against me and placed the hold, at which time the branch found out the firms name and number for me. I called XXXX XXXX XXXX and they said they had a judgement again me from XX/XX/XXXX for a company called XXXX XXXX, who originally bought the debt from XXXX XXXX XXXX. They say I owe for a credit card through XXXX from XX/XX/XXXX or XX/XX/XXXX, got a different answer when I called back a few hours later, for an amount of {$4800.00}. The account number they gave me doesn't even match the information I have from that time because I have credit reports from when I bought a house through XXXX   in XX/XX/XXXX. Unfortunately I went into foreclosure in XX/XX/XXXXdue to the financial collapse and have lost all credit since then. I have no idea what this account is that they're talking about nor do I remember EVER having a credit card with that high of a limit. Even when I had a XXXX score my largest card was only around a {$2000.00} limit. These accounts have been closed for years, I have never received any mail, certified or not, or any notice of some sort of judgement. As of today my account is - {$9200.00} with a legal hold on it, I can't buy food for my family, pay bills or even get gas to go to work. My wife and I are financially lock out and can't pay any family bills or anything, we only made a combined income of {$30000.00} last year with XXXX kids to feed, how is this legal. 
I am sending a copy of the credit report from XX/XX/XXXX that has a XXXX credit card on it with a balance of only {$1400.00} and ends in XXXX. They said the account I owed for ends in XXXX, but is not on my credit report.
Consumer complaint received 2021-06-15
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: JPMORGAN CHASE & CO. (FL)

While checking my credit report, I notice an account from JPMCB CARD that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. On XX/XX/XXXX, I received a letter from them stating that they had verify the account, see attach, but they did not provide me with the requested information that was used to verify the accuracy of account. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that JPMCB CARD is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2020-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (MN)

received a letter in the mail from XXXX XXXX XXXX XXXX for a reduced balance amount. Creditor listed as DeVille Asset Management, LTD. Original creditor listed and XXXX XXXX XXXX and I have never had XXXX. 
I called XXXX and they wanted me to confirm my information and I refused. My next step is to contact the original creditor.
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

I have an existing Security Freeze with Experian that was established in 2017. As part of setting up that security freeze I was given a PIN # and phone number to call to conduct temporary removals. 

I have made numerous attempts to do a temporary removal of security freeze but am unable to get in contact with anyone. The phone number given to me when I set up the security freeze only direct me a a phone tree. The only options give in the phone tree are to permanently remove the freeze or to purchase products. I have been give no mean to talk with a representative and provide my information or PIN #.
Consumer complaint received 2020-02-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (GA)

Lending Club Has Created Barriers to Consumers Receiving Basic Information about Their Loan Accounts : 1. I have a loan with Lending Club.

2. The loan was on autopay to a checking acct.

3. I closed the checking acct a few month ago.

4. I asked the acct. to be removed from autopay at the time, and it was.

5. I revoked permission for Lending Club to call me after receiving incessant calls, and Lending Club did stop calling me.

6. I called for a few months to make manual payments as well as sent in one check payment.

7. About a week ago, I attempted to update my bank acct. information online and the Lending Club website said it was down for maintenance.

8. On today, the account was two days past due.

9. I went online and updated my bank acct. information to new checking acct.

10. I also scheduled my monthly payment, which was two days past due, for today.

11. I wanted to see if ( a ) adding the new bank account information caused the autopay to be turned back on ; and ( b ) this caused a duplicate payment to be scheduled.

12. I spoke with XXXX  in Member Support, who, said my account was on autopay ; and then, after allowing me to expend much time and energy explaining my questions to her, said she would have to transfer to another department, " Payment Solutions. '' 13. XXXX  placed me on hold.

14. XXXX  came back from hold and said it would be a lengthy wait time.

15. I asked why I was being transferred. I stated I had, in fact, wanted autopay to be turned back on. And so, if she was saying it had been turned back on, why did I need to be transferred?

16. She admitted she wasn't sure whether autopay was turned back on.

17. I asked for supervisor. Transferred to XXXX  ( no ID #, said she was only XXXX  ), a Manager in Member Support. XXXX  said the autopay was not on, which means the previous agent was incorrect.

18. XXXX again said she could provide no other information about my account. She said that agents in that department " can't even see the number '' ( an internal number ) of the account when the account is past due.

19. I asked whether, as a general matter, if accounts are not on autopay, whether there would be a duplicate payment to a manual payment being scheduled. She said as a general matter, no.

20. I asked to cancel my payment, and she said she could not do so.

21. I said I had considered giving Lending Club new permission to call me, but that I decided, based on today 's experience, not to give such permission because they do not seem set up to provide productive communication to consumers.

22. Calling Lending Club today thinking you all would appreciate me wanted to have clarity and manage my account, and that I'd be able to resolve this in two minutes, was a big mistake. What a nightmare. You all ruined my Monday morning.
Consumer complaint received 2020-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (ID)

XX/XX/XXXX got a letter from Convergent Outsourcing-XXXX claiming I had joined a XXXX XXXX   in XXXX XXXX, Nevada in XX/XX/XXXX and didnt pay the contract-but if i pay {$250.00} it would satisfy the judgement.The original balance was {$1000.00}. But they would settle for {$250.00}. 
This was from XXXX XXXX XXXX , XXXX. 

I actually have never considered joining a XXXX XXXX because of their high prices and arrogant/snobby people that usually go in there. Had i ever joined that gym i surely would pay for it. I have lived in Idaho since XX/XX/XXXX and can prove it.I have perfect credit. This is a clear fraudulent claim/mistaken identity.This gym was in XXXX XXXX, Nevada.I have lived XXXX Idaho for 31 years.
Consumer complaint received 2020-02-24
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 get my son a new vehicle because his broke down. My salesman told me that I would be eligible, but with a very high interest rate due to my credit. I then ask to see my report and realized there was things on there I have never seen. These items need to be removed as soon as possible.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MA)

I bought jewlery from Jared and signed up for their Comenity Bank credit card, which offers an 18 moth deferred interest term. The website for the card allows me to set up automatic payments on a monthly basis- but they do not allow you to change the date the automatic payments are made. The only date you can choose is the exact date the payment is due. This has the potential to be an issue if there some kind of failure, holiday, disaster, etc and the payment is not sent - I would most certainly be dealing with late charges. As a consumer I should be able to determine what day of the month my automatic payments are sent, just as I am able to do with any other credit card.
Consumer complaint received 2021-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I recently sent a dispute letter toXXXX, XXXX  and Experian on XX/XX/2021, now it's XX/XX/XXXX and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Consumer complaint received 2020-02-24
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. (MD)

Equifax has an account on my credit report that does not belong to me. I tried to dispute this information several times with Equifax on line, by phone and mail. Every avenue failed. The account in question is as follows. 

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Account Number : XXXX Current Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$0.00} Type of Account : Revolving Credit Limit : {$2500.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : Actual Payment Amount : Scheduled Payment Amount : Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : 23 Creditor Classification : Activity Description : Paid and Closed
Consumer complaint received 2020-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MN)

received a letter in the mail from Convergent Outsourcing , Inc. for a reduced balance amount. Creditor listed as XXXX XXXX XXXX, XXXX. Original creditor listed and XXXX XXXX XXXX and I have never had XXXX. 
I called Convergent and they wanted me to confirm my information and I refused. My next step is to contact the original creditor.
Consumer complaint received 2020-02-24
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (PA)

The end of XX/XX/2019 I called to make arrangements on my Paypal account. I decided to pay instead of doing a payment plan I made the normal payment. At this time the rep informed me that on the payment plan the payments would be late and reported 30 days. Although at the time I was not over 30 days I had surely paid this account after 30 days in the past as it was not being reported to my credit. My issue is that prior to Paypal changing hands I was not properly notified of the change from a non credit reporting account to a now credit reporting account. It appears that the new company I believe called Syncv/PPC brought account history from before they were actually reporting, If I had been notified that the payments would impact my credit I would have ensured the min Pay was made to avoid 30 day reporting. I have had a paypal account for many years, so when I saw in XX/XX/XXXX I was being reported starting back around XX/XX/XXXX and had not been notified I was upset. I called the company and they advised me to do a dispute and then did not fix my issue, or follow up with me. I spoke to the supervisor who was very nonchalant. I would like a copy of the information that was sent out regarding the change in credit reporting. Also if they started reporting in XX/XX/XXXX why are they backdating to XX/XX/XXXX when that is not how it worked in the past. Also This reports as a credit card ad I believe it is a line of credit..
Consumer complaint received 2021-06-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (CA)

I am having a very difficult time with BSI Financial Services. I have a VA loan from being a Veteran with the XXXX XXXX. I am a XXXX veteran. I lost my job right before the COVID 19 pandemic. During the pandemic BSI told me they could help with a forbearance. Now that the pandemic is ending and me and my family are recovering from the COVID pandemic we applied for a loan modification. We were declined stating we didnt make 12 consecutive payments. BSI never mentioned this to us and has put us in a foreclosure situation. They are acting like predatory lenders, and not being honest. 

I spoke to XXXX XXXX at BSI and she said she would request a over rule. The underwriter declined with BSI again. BUT I spoke to the VA Department with XXXX XXXX, she said the VA would over ride the rule if requested. But the underwriter with BSI never contacted or requested. The VA loan # is XXXX. XXXX XXXX phone # is XXXX XXXX
Consumer complaint received 2022-12-01
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. (OH)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-04-18
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. (FL)

I only applied for a car loan from XXXX XXXX XXXX and I only applied for a mortgage from XXXX XXXX. However I have the following XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/2020 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2020 XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX