davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-15
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: EQUIFAX, INC. (MO)

I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items
Consumer complaint received 2022-07-24
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. (GA)

Collections accounts XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX {$170.00} Hard inquires that I have no acknowledgment oXXXX 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 2022-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

1 ] in accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX, has violated my rights. by placing misinformation in my credit report. 

2 ] in accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX, has violated my rights by placing misinformation in my credit report. 

3 ] in accordance with the fair credit reporting act, XXXXXXXX XXXX  XXXX XXXX account number # XXXX. has violated my rights by placing misinformation in my credit report.

4 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX, has violated my rights by placing misinformation in my credit report. 

5 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX has violated my rights by placing misinformation on my credit report. 

6 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX, has violated my rights by placing misinformation in my credit report. 

7 ] in accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX  account number # XXXX has violated my rights by placing misinformation on my credit report.

8 ] in accordance with the fair credit reporting act, XXXX account number # XXXX, has violated my rights by placing misinformation on my credit report. 

i try to resolved this plights with this named creditors aboved numerous time either to come to the same conclusion or not get a reply.

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 2018-12-18
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. (WI)

On XX/XX/17, XXXX, hit my credit report as a hard inquiry. I contacted all three credit reporting bureaus to investigate and delete this hard inquiry from my credit reports. They have not responded back to me and I sent the certified letters through the United States postal service well over a year ago. This hard inquiry has caused me a great deal of hardship and stress I've been denied credit and my credit score as decreased drastically. According to the FCRA, the credit bureaus has a despot me the consumer, to respond in a timely manner and to report accurate, information.
Consumer complaint received 2022-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (MO)

I have received numerous letters for a person not at my address related to a XXXX account nor has anyone by the name on the letter lived here since my purchase of the property ( I've never had a XXXX account either ). I've called the collector and told them this is the wrong person/address on XX/XX/2022 and asked them to stop sending letters to this address. I have since received multiple letters after. The most recent letter is threatening to hit a credit score related to my address.
Consumer complaint received 2018-12-18
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: EQUIFAX, INC. (WI)

On XX/XX/17, XXXX, hit my credit report as a hard inquiry. I contacted all three credit reporting bureaus to investigate and delete this hard inquiry from my credit reports. They have not responded back to me and I sent the certified letters through the United States postal service well over a year ago. This hard inquiry has caused me a great deal of hardship and stress I've been denied credit and my credit score as decreased drastically. According to the FCRA, the credit bureaus has a despot me the consumer, to respond in a timely manner and to report accurate, information.
Consumer complaint received 2018-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/17, XXXX, hit my credit report as a hard inquiry. I contacted all three credit reporting bureaus to investigate and delete this hard inquiry from my credit reports. They have not responded back to me and I sent the certified letters through the United States postal service well over a year ago. This hard inquiry has caused me a great deal of hardship and stress I've been denied credit and my credit score as decreased drastically. According to the FCRA, the credit bureaus has a despot me the consumer, to respond in a timely manner and to report accurate, information.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (WI)

My issue isnt with a specific store credit card but it seemed to fit your categories best. This is a medical payment card to be used for medical expenses. 

Synchrony Care Credit Rewards Mastercard. I find their actions rather devious. They have promotional offers to charge your medical expenses and pay for them within a time period with no interest. You can also charge non promotional medical expenses. However, their billing statements do not reflect the difference between promotional and non-promotional and you can not apply your payment to non-promotional. This way you end up paying interest. Sneaky in my opinion. I am not sure how the money is applied but I certainly want to pay the non-promotional charge first to avoid interest fees. I called them and was able to apply a payment to the nonpromotional balance but was told the statements or online payments are not set up to do this. I have to can each time to do this. 

Buyer Beware!
Consumer complaint received 2022-03-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (GA)

Ally Bank is holding a balance in my name for a vehicle that is paid for. They took my car from my home and told I had to send money to them to get my car back. Now I was informed by them, that they sold my car and want me to send them money as well.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

After repeatedly being ignored, by all 3 credit reporting agencies, I have no other choice but to escalate this issue. I have sent letters certified and regular, I have made numerous phone calls, and have been stonewalled every step of the way. These companies give me instructions on how to resolve the issue and they don't follow their own protocol. 

I was told to call the creditors- I did that and the creditors tell me to handle it with the Agencies I was told to send in letters certified - The agencies tell me they never received the mail even though I see the parcels have been delivered. 

I call the agencies to follow up - and I get put on hold and wait for them to tell me that My cases were never opened and letters were never received and to send it all over again repeating all of the hard work I've already done multiple times. 

I have multiple late payments that are not accurate seeing as I have all of my accounts on autopay and always have a balance in my bank account. 


Account - XXXX XXXX XXXX XXXX Delinquent Payments - XXXX & XXXX of XXXX  Account - XXXX XXXX XXXX  Delinquent Payments - XX/XX/XXXX XXXX XXXX
Consumer complaint received 2018-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (AZ)

InXX/XX/XXXX, I sued the rental company XXXX XXXX, who falsely reported a debt I never owed the company. I sued the company and won a judgement. The company was owed {$0.00} from me and I won a cash amount from them. I.Q. International is refusing to take this information off of my credit report. This false information is effecting my ability to buy a house.XX/XX/XXXX- I spoke to XXXX at I.Q.International about the false information reported. He advised me to fax information to prove the debt is not owed.

XX/XX/- I called employee # XXXX at I.Q. International to verify fax had been received. She rudely informed me that the debt was mine and refuse to inform me of the next steps to take to resolve the disagree I am having with the debt.
Consumer complaint received 2018-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

Upon checking my credit report there is an account that has been placed in collection on my report that I have no idea what it is. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$1100.00} {$1100.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This account does not belong to me and the only Bureau this is reporting to in Experian.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

XX/XX/18 - I initiated a dispute for wrong information online XX/XX/18 - I checked my report and found that my auto loan account had been changed ( This was not part of my dispute and up until XX/XX/18 it was reporting correctly.

XX/XX/18 - I called Equifax, spoke with XXXX, totally unknowledgeable and unclear English.

XX/XX/18 - I called back after XXXX refused to transfer me to a manager.

XX/XX/18 - Spoke with XXXX  who transferred me to XXXX  ( Like XXXX he continued to tell me I had to dispute the information, which is ridiculous since they changed it in error )
Consumer complaint received 2018-12-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK (IL)

In XX/XX/XXXX, XXXX and XXXX XXXX applied for a Discover Student Loan for the amount of {$36000.00} for tuition for the XXXX XXXX XXXX at XXXX. The amount was to be used to pay tuition and costs for the XX/XX/XXXX-XX/XX/XXXXschool year, in the amount of {$18000.00} per semester at the interest rate of 7.99 %. 

XXXX is the student, and XXXX is the parent-cosigner for the loan. 

At the time of the first disbursement of the loan, the XXXX XXXX XXXX Office of Financial Aid informed XXXX XXXX that the loan was only certified for {$18000.00} for the year, instead of the originally approved {$36000.00}. XXXX XXXX contacted Discover and informed them about the problem. 

Discover asked to have the University re-certify the loan in the amount of {$36000.00}. 

XXXX XXXX contacted the University 's Office of Financial Aid to inform them of the problem. On XX/XX/2018, the University 's Senior Financial Aid Administrator,  XXXX XXXX XXXX, sent XXXX XXXX an email, confirming that the University had sent the required notification, certifying the original {$36000.00} amount of the loan request, and verifying that the above amount needed to be split between the fall and spring semesters. 

An email from the University 's Senior Financial Aid Administrator, XXXX XXXX XXXX is provided below, for your reference. 

Immediately thereafter, XXXX XXXX contacted Discover, and they verified over the phone that they received the email, and that the problem was resolved. 

On or around XX/XX/2018, XXXX XXXX contacted Discover to verify that the loan would disburse as previously agreed. Discover reported that there was no disbursement pending, and that the loan closed out at the amount of {$18000.00}, and was not available for the 2nd semester of school tuition. 

Discover suggested that my XXXX and XXXX XXXX apply for a new loan, which was done The new loan for the second semester came back at the interest rate of 9.240 %, instead of the original 7.99 % interest rate. 

Discover has made the error with the disbursement. The University did correct Discover 's mistake, and did certify the correct amount for the loan, and that it was to disburse for 2 semesters. I ask that Discover be held to its originally agreed interest rate of 7.99 %, and should not be allowed to profit for the mistake it made. 

XXXX and XXXX XXXX would be grateful for any assistance you can provide. 

XXXX XXXX, Student at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Father of XXXX and guarantor of the loan *** A copy of XX/XX/2018 email from Senior Financial Aid Administrator, XXXX XXXX XXXX of the XXXX XXXX XXXX is attached to this complaint.
Consumer complaint received 2024-02-06
Product: Credit reporting 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. (SC)

The following inquiries are unauthorized.
 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 2021-02-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (PA)

My vehicle Loan with Navy Federal Credit Union was charged off in XX/XX/2015 after repossessing the vehicle in XX/XX/2015. Navy Federal shut down all access to my account and I was a victim of their unfair debt collection practices. I was never contacted by Navy Federal Credit Union after they were found to have violated their customers rights. I have tried to contact them to alleviate the problem and I was treated terribly. I don't believe that this company has learned from its past mistakes.
Consumer complaint received 2021-06-08
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: EQUIFAX, INC. (LA)

On XX/XX/2019 someone was trying to finance a car in my name without my knowledge ... As a result of that I see several inquiries on my credit report that are not mine ... upon getting a paper XXXX of my credit report I have kk these inquiries I did not do myself nor give anyone permission to run my credit. 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 .. I called each credit bureau and they as told even though it was fraud because I didnt do it myself or give anyone permission that they were not going to remove.. I also called the police to make a police report and was told since no account as opened they couldnt find a report ... I am requesting all these inquiries be removed from all 3 credit bureaus ...
Consumer complaint received 2018-12-19
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: Santander Consumer USA Holdings Inc. (TN)

I sent a dispute disputing this account and this company failed to respond within the 30-45 days time frame. I requested for proof of documents because this account was to be paid off in full and is still incorrectly reporting and hindering the growth of my credit score.. Santanter has not responded or provided any type of documentation supporting this account. 

Also this account is reporting every month negatively on my report dropping my score.
Consumer complaint received 2019-11-06
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: DISCOVER BANK (NY)

I have contacted Discover Card several times, sending emails calling and even faxing the unauthorized charges herein below that were NOT AUTHORIZED, but now Discover Card again posted all the charges back to my account for transactions listed below. 
Discover resolution support credits and then post the charges again to my account over and over, making it almost impossible to understand why they are still reversing the charges. 
The Discover resolution support person I spoke with several times not all but one of them very much treated me like a child and even made defamatory comments towards me instead of taking care of the issue when I first contacted them in the year 2018. 

XX/XX/2018 - XXXX XXXX MTG PAYM XXXX XXXX NV - {$1400.00} XX/XX/2018 - XXXX XXXX XXXX XXXX NV - {$5300.00} XX/XX/2018 - XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - XXXX XXXX MTG PAYM XXXX XXXX NV - {$2500.00} XX/XX/2018 - XXXX   XXXX MTG PAYM XXXX XXXX NV - {$2500.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$1400.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$5300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2500.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2500.00} All charges herein above are UNAUTORIZED CHARGES, XXXX is aware that the charges were not authorized, and they keep posting it back to my account. 

I am NOT RESPOSIBLE FOR All the charges ; they know very well after numerous explanations about the company XXXX   XXXX. I have no contract with XXXX XXXX and all the charges listed above were once again NOT AUTHORIZED. 

This is destroying my credit and now I have to file this complaint against XXXX XXXX. 

All charges above should be credited to my account as soon as possible. I am not going to make any future payments to XXXX. 

I am already in litigation with XXXX XXXX and will soon be in litigation with XXXX card. 


I would like to request that all NOT AUTHORIZED CHARGES above to be credited to my account as soon as possible as I am not going to make any future payments to Discover since they are very much aware of the UNAUTHORIZED CHARGES issue with the merchant XXXX XXXX. 

Unless XXXX can prove without a reasonable doubt and solid that I do have an account with XXXX XXXX and that I did authorize the transaction.
Consumer complaint received 2022-03-07
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. (CA)

I contacted the FTC about the unknown data that appears on my Experian Credit Report. I was advised to resubmit my dispute to Experian and include my police report, FTC Report and other information to assist the bureau with my dispute. I did. 

I sent a dispute priority mail on XX/XX/22. I received an email and new credit report from Experian advising me that the 3 accounts had been removed on XX/XX/22. 
Please See inserts. On XXXX I received an alert that my score dropped the accounts had been reinserted to my credit. Then on XX/XX/22 I received and alert that the accounts had been DELETED. 
When I log into my account the accounts are still there. 

This is very traumatic and an emotional roller coaster for me. For example, I disputed my XXXX account as not being late. Experian came back and said it was verified that I had been late. I was not able to reach anyone by phone at XXXX XXXX XXXX so I sent them a letter. I received a call back from a XXXX about 3 weeks later to inform me that sent out a letter on my behalf to update the error. I sent it to Experian they removed the 30 day and they have now put it back on my credit. I have enclosed the letter and the envelope it came it to prove the letter came from them. 

I am requesting that Experian delete/remove fraudulent account from XXXX XXXX and not put it back on my credit again. 

Remove Fraudulent account from XXXX XXXXXXXX XXXX XXXX XXXX and not put it back on my credit again Correct the 30 day late on XXXX XXXX XXXX XXXX and not put the 30 day late on my credit again
Consumer complaint received 2018-08-07
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: EQUIFAX, INC. (CA)

On XX/XX/2018 I paid $ XXXX on my credit cards which paid 1 off. I paid XXXX on XXXX XXXX so XX/XX/XXXX credit score may be improved when applying for a home mortgage. On XX/XX/2018 I phoned the creditors to ask them to make an out of cycle " billing cycle '' update to the 3 credit bureaus ( XXXX, Equifax & XXXX ). All but XXXX XXXX would make the updates. Instead, XXXX XXXX sent me a letter outlining the $ XXXX payment and what the new balance was. I faxed this letter to all 3 credit bureaus. Equifax said they never got the fax although I had a confirmation page of the fax being successfully submitted. Equifax made the update 7 days later so they in fact did get the fax. XXXX took the full 30 days to make the update although they said they would expedite the request. During phone conversations with XXXX  the representatives were inexperienced and unprofessional. On this occasion I asked to speak to a supervisor in the US and he could not find my credit file. 

XXXX had deleted the XXXX XXXX account which lowered my credit score. It took multiple phone calls to get this information corrected. When working with XXXX and Equifax it was difficult to understand the representatives from another country. They too had a difficult time understanding me and my request. I made a total of 15 calls to get one small issue resolved.