davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-14
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. (FL)

I have been contacting XXXX and Experian for years about updating my payment history on the XXXX  accounts. I have sent proof numerous times from XXXX  showing I have never been late on any of the loans. Since they can not /will not update all payment history to positive as it should be, I want them to remove all XXXX  from my credit report. I am attaching my current up to date loan verification letter showing NO zero late payments.
Consumer complaint received 2021-11-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (CA)

My wallet and bag were stolen the end of XXXX. I called and canceled and reordered my cards and bought a new phone and decided to also get a new phone number. I called Chime, who I do banking with, to update my number so I could gain access to my account via the Chime App. They said the new number was associated with another Chime account so they needed proof it was my number now and requested I send an email with my phone bill, ID, and a selfie holding a piece of paper with the date on it. I did as they requested, multiple times because I am XXXX and had a hard time submitting the info correctly. I received my new debit card in the mail and called to activate it because my phone number still hadn't been updated. The customer service rep informed me that my funds ( I get a deposit on the XXXX of every month ) had been transfered to my Chime XXXX XXXX card, which I had never even used. I then ordered a new Chime XXXX XXXX Credit Card and was told it would arrive in a few days. I was still waiting for my approval from my identity verification to update my phone number and gain access to my account when I received an email on XX/XX/XXXX stating they were canceling the delivery of my card, followed by an email notifying me that Chime had decided to terminate its relationship with me, that my account had been closed, and that any funds in my account were non refundable. I called to inquire as to why this was happening and my calls wouldn't even go through, I had to go use a friends phone to even get someone on the line. Each call would either get dropped, I would get hung up on, or out of no where the static would become so bad i couldn't make out what they were saying. I called 8 times, each time every rep went in circles for the short time I had them on the phone. My deposit is being held and my account closed for absolutely no reason whatsoever, and with no explanation at all. It's the holidays, I have bills, and am about to be kicked out of where I live because I can not pay my rent because Chime is keeping my money. Please help me
Consumer complaint received 2022-01-07
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. (MD)

I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries : 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 2018-12-06
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. (HI)

I am very concerned about the validity and accuracy of the recent investigation done by Experian..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.. XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX
Consumer complaint received 2018-12-06
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: LEXISNEXIS (NJ)

LexisNexis has wrongly reported to XXXX XXXX XXXX XXXX XXXX erroneous information which has impacted in a negative way my so-called insurance score. I ahve requested multiple times from LexisNexis to receive my credit report under the reference number XXXX. They have refused.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

ONCE AGAIN XXXX XXXX XXXX AND ITS LEGAL COUNSEL AND AGENTS ARE LLYING AGAIN! AUTO LOAN NO. XXXX AS WELL AS XXXX, AND EXPERIAN ARE IN COLLUSION AND ARE CHRONIC DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. THEY AGREED TO UPDATE UNDER FAIR CREDIT BILLING ACT ( F.C.BA.-T.I.L.A OR BE DELETED BY ALL CREDIT BUREAUS, AS OF TODAY XXXX REFLECTS RECENT BALANCE {$17.00}, XXXX, STATUS ACCOUNT CHARGED OFF {$17.00}, XXXX, the date of status was XX/XX/2018 and a recent payment of {$17.00}, XXXX, this is the same info on EXPERIAN . XXXX AND XXXX   ALREADY DONE SO 3 MONTHS AGO.
Consumer complaint received 2018-12-06
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: Experian Information Solutions Inc. (TX)

XXXX XXXX, XXXX. misapplied a payment in XX/XX/2018. I was told they would correct in one billing cycle. It has been three billing cycles. I have spoken with several people who assured me that this would have no negative affect on my credit file. They reported it as late for more than 2 months, they have sent me two collection letters, and the worst is that my credit scores have dropped more than 60 points.
Consumer complaint received 2022-05-04
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. (PA)

Reported all fraudulent inquires to reporting agency XXXX XXXX. 
Inquiries have not been removed ; all inquiries listed below. 
XXXX XXXX XXXX XXXX XX/XX/2021, XXXXXXXX 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 2018-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I paid for the first two quarters of real taxes to my town last XX/XX/XXXX. I informed my mortgage lender Santander Bank about it but the Bank went ahead and paid the taxes for the first quarter of this year. I informed my town about this double payment and it returned the amount paid by the Bank on XX/XX/XXXX. i do not have escrow account and asked the bank to refund the money back to me. till today i.e. XX/XX/XXXX, it did not return my money. This is Bank which charges exorbitant fees towards non-payments n late payments if we happen to do it. I want you to hold this bank also responsible asking them when they did get the money bank and the reason for its non-payment with stiff penalty n ask them to return my money with interest. 

Thanking you, XXXX XXXX.
Consumer complaint received 2018-04-18
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

Here is my complaint, after much research and develop, I dispute the collected data. The marks are prejudicial ; derogatory, non-credit worthy, in-correct & dispute citations reported by EQUIFAX, XXXX, and XXXX. Do these agents take any responsibility according to ( F.C.R.A. ) Fair Credit Reporting Act XX/XX/XXXX against { XXXX XXXX XXXX }? So I submit to you for examination, that this data also made by EQUIFAX, XXXX, and XXXX violator of the ( C.C.P.A. ) Consumer Credit Protection Act XX/XX/XXXX because its a consumer. 
XXXX XXXX XXXX said, An unfair law is no law at all its that unfairness which certain aspects are reported while others omitted, its unnecessary complex. I consider fair is removal of all negative citations which prejudges another. Since this type of reporting to perspectives like businesses, creditors employers alike ( places rose colored glasses on their eyes ).  Hence it must be fair since both are looking for honest brokers. Fair is stated, PAID/CLOSED and REMOVE ALL HARD /SOFT INQUIRIES reflected
Consumer complaint received 2022-05-04
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. (LA)

There were about 5 hard credit inquiries that I didnt apply for on my credit report. Also a social security number that wasnt mines on my report. A couple of the inquiries occurred on XX/XX/XXXX. Some were on XX/XX/XXXX. There was a soft or hard pull on XX/XX/XXXX. I contact those companies and they looked into it and no open credit lines and I contact the credit bureau to dispute the fraudulent activity and added a freeze on my credit line.
Consumer complaint received 2018-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

My home mortgage loan was sold from XXXX XXXX to XXXX XXXX XXXX, effective XX/XX/2018. In XX/XX/XXXX, I received a letter changing the contract they purchased without my permission. XXXX XXXX XXXX created a " cushion ''. Though the raising of the mortgage payment occurs to mitigate the increase in taxes and escrow, is normal and is reflected in a somewhat nominal increase - XXXX XXXX XXXX XXXX cushion of {$1100.00} has raised my monthly premiums by {$210.00}. I was not asked if I wanted this cushion and I do not agree to it. I am a Veteran and no loans I have ever had, have ever increased to this magnitude. No one has ever forced a cushion upon me. I do not want this cushion. I am retired on a fixed income and I am currently seeking Veterans Compensation for injuries and medical conditions resulting from my military service.
Consumer complaint received 2018-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On this portal dated XX/XX/2018 Transunion responded that I requested a reinvestigation and dispute. I DID NOT! My complaint was addressing Transunions non compliance of the FAIR CREDIT REPORTING LAWS! My complaint is NOT for a re-investigation it is for their method of verification of inaccurate information they are reporting on my CR. I mailed this attachment with supporting documents. Its been over 60 days and I have received nothing. CFPB when will you step in and stop these law breaking tactics by these reporting agencies? I want Transunions methods of reporting not their dispute or reinvestigation so I can prepare my lawsuit.
Consumer complaint received 2018-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2018 Barclays Bank Delaware, Dear Barclays Bank, XXXX Credit Card XXXX I am member since XX/XX/2018 and I had a credit line {$3500.00} .I am maintain account good standing and I am paying bills on time.

Your bank Credit line reduce up to new line of {$1000.00}. I am really disappointed and not happy done this.

Please reconsider my request and granted my credit line back to {$3500.00} Thank you XXXX XXXX XXXX
Consumer complaint received 2018-12-06
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: WELLS FARGO & COMPANY (TX)

Wells Fargo, N.A. misapplied a payment in XX/XX/2018. I was told they would correct in one billing cycle. It has been three billing cycles. I have spoken with several people who assured me that this would have no negative affect on my credit file. They reported it as late for more than 2 months, they have sent me two collection letters, and the worst is that my credit scores have dropped more than 60 points.
Consumer complaint received 2018-12-06
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. (TX)

I am very concerned about the validity and accuracy of the recent investigation done by Transunion..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.. XXXX XXXX ( Original Creditor : MEDICAL ) XXXX
Consumer complaint received 2018-12-06
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. (TX)

I am very concerned about the validity and accuracy of the recent investigation done by Experian..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX/XXXX XXXX
Consumer complaint received 2018-12-06
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: Experian Information Solutions Inc. (FL)

Im having a problem disputing a negative account with Experian I disputed this negative item a few months back and Experian said the account came back verified. But i discovered a new mistake on this account this account number is wrong. So when i try to dispute this account online it says to call there XXXX i tried to call this number and i keep getting the run around or be put on hold over an 1hour.
Consumer complaint received 2018-12-06
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I have a loan with One Main Financial. I had a payment that became due near the end of XX/XX/XXXX, which Im not disputing. What has become stressful is the repeated number of calls I get per day on a debt that is not even 15 days past due. Im not sure if they are considered a debt collector as defined by the FDCPA, but most companies follow the spirit of the FDCPA even if they arent considered true debt collectors. Over the past 3 days ( XX/XX/18 - XX/XX/18 ), Ive received no fewer than 15 phone calls from this institution and at least 4 different voice mails. And although I cant be 100 % sure, Im fairly certain that they are calling me from numbers not associated with the organization, like a personal cell phone or similar. 

I understand that credit institutions have an obligation and a right to contact borrowers when a debt is owed, however the call tactics from One Main is nothing short of harrassment. So much so that I have been researching possible legal options, including class action alternatives. And thats typically not my style. 

Im not asking for anything except some reasonableness when it comes to their call campaigns.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent. Please rectify this error, and I have provided supporting documentation for your verification.
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Went to payoff my Auto loan. Upon making payment I was prompted to take an free Spirit Credit card. Was unable to move to pay-off screen via the mobile app. Finally was able to make payment and received a congratulations splash stating i was approved for a new credit card. Card welcome package sent to my home and account is now noted on BOA 's system. Hav not activated nor did I apply. 

Unable to reach representative vis phone the general curse service number. When calling number on welcome package, i receive a prompt to activate and unable to reach a representative by depressing XXXX or verbally. 

I do not wan the card nor did I apply. I wan to ensure there is no credit inquiry and want the account closed w/ no indication one was open on my credit reports. 

This is a deceptive practice. Interesting that I was never offered a card during any of my auto payments over the last 48 months ... but given one w/out consen during my final payment w/ this company
Consumer complaint received 2018-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (TX)

I have 5 bills listed on my credit report that do not belong to me. They are listed as follows : Paramount Recovery XXXX XXXX XXXX   OPENED XX/XX/XXXX Paramount Recovery XXXX XXXX XXXX Opened XX/XX/XXXX Paramount Recovery XXXX XXXX XXXX Opened XX/XX/XXXX Paramount Recovery XXXX XXXX XXXX Opened XX/XX/XXXX Paramount Recovery XXXX XXXX XXXX  Opened XX/XX/XXXX I never received a hospital bill, suddenly started getting collection calls. When I reached out to Paramount Recovery, they asked if I was Ms. XXXX, I told them that I did not know anyone by that name.I have good credit ; prior to this event. I have 99 % of paying my bills on time. I spoke with Paramount Recovery and stated these bills are not mine. I also sent information to the government for identity theft. 

Paramount Recovery address : XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

FILED ON XX/XX/XXXX STILL NOT GOT IT BACK XXXX In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( OPENED XX/XX/XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Westlake Services, LLC (NJ)

Hi, My name is XXXX XXXX I bought a vehicle 3 years ago and west lake financial bank gave me the loan, I moved out of state a years ago and I cant get my title from the previous state I lived before, my registration is expired I got pulled over 3 times by the police officers called west lake numerous of times they are not helping me in this issue I have, I went on the dmv in the current state where I live they told me to contact my lien holder they should make the request, I contacted west lake theyre telling me contact title support, they dont have phone number or in the website they dont have the lenders name ( Westlake financial ) . Im stuck and hopeless in this mater and problem I have, This bank is totally unprofessional and doesnt even care about theyre costumers
Consumer complaint received 2018-12-06
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)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both TransUnion and XXXX with no successful resolution. TransUnion only reporting me late. There was definitely an error on their part. I was never 30-59 days late.