davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (UT)

On XX/XX/2019 we received a response from LendingClub Corporation for CFPB Case No. : XXXX. In their response they state that the outstanding balance left owing on the account was interest accrued from XX/XX/2019 to XX/XX/2019. We just paid off two other accounts in full by the amount of the balance due from the online statements, the same way we paid this account off. Both accounts have a XXXX balance with no additional interest accrued. In one sentence of the response it is stated that the {$740.00} was applied to interest accrued from XX/XX/XXXX to XX/XX/XXXX and then it is stated in another sentence that this amount is the remaining principal with interest added to it totaling {$830.00}. This response make no sense. 
Also they didn't address the issue of the bait and switching of the interest rate from 17.99 % at the time of application to 27.27 % as the final interest rate. We would never agreed to this loan at this interest rate. 
No explanation was offered as to why our account was closed online, which they admit to closing in the response. Why was our account closed if the loan wasn't paid in full?
Consumer complaint received 2018-10-05
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. (OH)

I recently found out that someone has been using my SS and personal Identification to open up accounts and lines of credit without my knowledge. I found several addresses and phone number that are not mine listed on my credit report. I have file a ID theft report with XXXX XXXX already this is a follow up report for the local authorities. The following account are fraud : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. There is a unauthorized Inquiry on mine report from XXXX  never applied for any account for business. The following addresses I do not live at and are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I am requesting FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 days from all three credit bureaus.
Consumer complaint received 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Clarity Services (TX)

A couple of months ago I requested my Clarity Services report because I applied with a couple of personal loan companies and I kept getting denied because either they said that either they couldn't verify any info and/or the info was indicative of fraud. And that my information keeps changing. The report recieved doesn't show me what's indicitvae of fraud and has a whole bunch of inquiries from merchants that I did not apply with. I have only applied directly with lenders except for today, a company called saying that if I went on a website and applied that I would be approved for loan. So I applied and then recieve an email from a whole different company saying that I was denied. Again for the same reasons stated above. Clarity Services is an extremely difficult company to deal with and it took forever to get a copy of my report and had to call numerous times and had to fax supporting documents more than once. When I spoke to them after recieving the report it seems like no one knows what I am talking about. I spoke with them many times in month of XXXX. I feel like I could have gotten a loan to consolidate the payday loans I had, but everytime I apply online to the companies that offer big loans I am blocked. But all can get are relatively small loans at store fronts most of the time after providing tons of paperwork
Consumer complaint received 2018-10-05
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AL)

I was forclosed on my home in 2013 with Wells Fargo Bank during their mistake with the modification glitch error.i sent them all the necessary documents and still forclosed on my house. I lost my home and my belongings too. They put my furniture and everything in the street and it was raining. Everything was damage.i lost everything even my dignity and my kids have emotional problems now.
Consumer complaint received 2023-08-19
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (SC)

XX/XX/2023 Bureaus were notified. 
Navy Federal Account Number:XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number:XXXX I was in the process of obtaining a copy of my credit report, once it was received, I came across accounts that wasn't recognizable. I'm requesting a removal of this account based upon the CFPB/FCRA act. These accounts were sent to all agencies that hold these accounts. I requested removal for all to be removed, due to inaccurate reporting. The balances from each credit bureaus should report the same amount, and none of them match.
Consumer complaint received 2019-04-19
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. (FL)

OPINION by experience- I am totally disturbed that I a consumer are being incorrectly by them and third party users hence impacting our ability to get favorable finance and if we do at a usurious rate. I submitted another complaint the other day only to receive a warning from this reporting agency my credit use has gone up! FALSE! Their current report shows balances From XX/XX/XXXX!!!!! They are incorrect and get this lower my use of credit and do NOT increase it as they warned! When I dispute they basically kiss me off with they will wait until the bank posts the correct amount. IF this is not fraud then what is? My score has dropped almost 30 pints on illegal and incorrect processing and it is NOT maintained in a timely fashion. When the XXXX is capability, honor, integrity and ethics going to come to this so called agency as well as yours- protection for who- them? Is it not time you stopped professing something you are NOT?
Consumer complaint received 2023-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

The company at hand ( MIDLAND CREDIT MANAGEMENT ) is filing tax fraud because they are reporting an account as a charge off. I have requested IRS form 1009 c so I can file it with my taxes and they are refusing to give it to me.
Consumer complaint received 2019-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/2018, I applied for the Chase Ink Preferred which was placed on pending. I promptly contacted Chase bank to ask about the status of my application around 24 hours later and I was told my social security number did not match my identity which is not true because I've undergone several background checks and identity verification processes in 2018, including one from the U.S. Department of State and TSA PreCheck. 

I was asked to send in a digital/scanned copy of my social security card to XXXX for identify verification to further process this application. 

I immediately complied with all of their requests. I was transferred from one customer service representative to another to only hear the same exact thing : that my identity verification can take weeks to be completed. I am being treated unfairly and was not given a clear path to solving this block in the process.
Consumer complaint received 2016-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (WA)

My mortgage was sold by XXXX to PHH. XX/XX/XXXX was the first month with PHH. I paid my usual payment. ( XXXX ). I received a letter stating that I have a " suspense '' balance in the amount of XXXX but the total amount due is XXXX. 
The additional amount of XXXX must be received before the end of the month to avoid reporting to the credit bureau. I have never had the payment increased when the loan was sold to another company and no explanation was given. It 's impossible to call and get answers.
Consumer complaint received 2018-10-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TIDEWATER FINANCE COMPANY, INC. (AL)

I bought a car while I was in the process of filing chapter XXXX bankruptcy in XXXX. I finance the car through Tidewater Finance Company. It was a XXXX XXXX XXXX. Because my chapter XXXX had not been completed and discharged when i purchased the car, it was also included in the bankruptcy. I fell on hard times in XXXX and the car was voluntarily repossessed because the motor went out and I did not have the money to repair it. Even though it was included in the bankruptcy, they still continue to come after me and will not remove it from my credit report. This is not right. They resold the car and got there money. I want this permanently deleted off my credit report please.
Consumer complaint received 2023-06-15
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: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I called my former apartment complex and was informed that they switched management companies and didnt have anything on file for me. I was advised to call the former management. I called XXXX and was told that they didnt have any information on file either. I moved out of XXXX XXXX apartments on or around XX/XX/2016. I paid the balance owed in full which was {$200.00} and did a full walkthrough with the then XXXX XXXX and was given a clean bill. When speaking with the collection agency, national credit systems, they said the balance is due to unpaid rent and damages, of which there are none. No one is able to provide proof of this as well.
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma (SC)

I was reviewing my credit score via CreditKarma, and noticed a hard inquiry from a " XXXX XXXX NV '' I am not familiar with this company, however some searching on XXXX lead me to XXXX reviews, and XXXX reviews showing this company to be a complete scam. 
A person referenced in one review is a " XXXX XXXX '' I am familiar with this individual as he has attempted to lock me into a contract for payment processing with a company called " XXXX ''. I urge the CFPB to look into XXXX XXXX, " XXXX '' and the XXXX XXXX XXXX XXXX in XXXX XXXX South Carolina. 
I have attached some public review based evidence of this companies attempts to scam people.
Consumer complaint received 2019-10-09
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. (GA)

I noticed on XX/XX/XXXX that hard inquiries have been made on my credit report from XXXX XXXX that I did not make. I had 2 inquiries on XXXX  and 2 inquiries on Transunion. 
I contacted XXXX on XXXX via phone and they informed me they could not do anything unless I contacted the companies which initiated the credit being pulled. I did not call Transunion on XXXX because their costumer service department was closed. 

Per XXXX request, On XXXX, I contacted XXXX XXXX GA which was one of the hard inquiries on my credit report and I explained to XXXX that I did not reach out to them to obtain new services that my credit report was showing occurred on XX/XX/XXXX. 
They reported that they would begin an investigation and reach on to me on XX/XX/XXXX. I then reached out to the second company, XXXX, that also initiated a Hard inquiry on my XXXX credit report. XXXX then asked me to reach out to XXXX XXXX of XXXX GA as that is where the request to pull credit had come from. After talking to the employee, he pulled up the file that was flagged as fraudulent and deleted it. XXXX also asked me to submit a dispute letter to them about the credit inquiry. 

I then moved on to my Transunion inquiries and decided to call the companies first since it seemed that the credit bureaus wanted me to resolve it with the companies. The first was XXXX XXXX XXXX XXXX XXXX and when I called them, there was no information the account and therefore could not give me any information that I could turn over to Transunion . I moved on to the second one which was XXXX ( XXXX XXXX XXXX ) and was connected to their department. They said there was nothing they could do and encouraged me to call Transunion and XXXX XXXX, where the inquiry had came from. I called XXXX XXXX and they said they had an inquiry online and that the bank denied it. The representative encouraged me to reach out to Transunion. 

I reached out to Transunion and all I got was basically " Sorry, we can't help you unless you get letters from all these companies saying that it is inaccurate. ''
Consumer complaint received 2015-09-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ASSOCIATED BANC-CORP (WI)

I received a charge to my checking account in the amount of {$340.00} on XXXX/XXXX/15. The charge is from XXXX and is under the name XXXX XXXX. I noticed the charge on XXXX/XXXX/15 and immediately called to file a dispute. I received the paperwork to sign and returned it on XXXX/XXXX/15. The paperwork I signed was an affidavit that it was not my charge. I immediately placed the signed affidavit back in the mail in the postage paid envelope provided. I called on XXXX/XXXX/15 to find out when I would receive my provisional credit and I was told after 10 business days of the complaint. When talking with the customer service representative, we both agreed the credit would be posted to my account on XXXX/XXXX/15. She told me it would be later in the day. So, on XXXX/XXXX/15 at XXXX. I contacted Associated Bank to find out why I had not received the provisional credit. At that time I was told my signed paperwork was not received. I was also told the dispute area was closed so they would have to call me on Monday. And that I would not get provisional credit until 10 days AFTER the signed paperwork was received. They said they would re-mail me the documents for me to sign and it would be an additional 10 days AFTER they receive those documents that I would receive provisional credit! 
It looks like the charge to my account is an ACH transaction that obviously was taken from the wrong account. Maybe {$350.00} is not a lot of money to them, but I need the {$350.00} that was incorrectly taken from my account to pay bills. The bank refuses to give me credit to the money that is mine.
Consumer complaint received 2020-02-09
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. (FL)

I have contact XXXX  in regards to a 30 days late in XX/XX/XXXX being reported after I was granted an extension due to natural disaster here in Fl ( hurricane ), I also informed them of my diagnosis of XXXX and have always called and paid on my loan. I recently spoke with an XXXX  agent on XX/XX/XXXX as I had just gotten out of the hospital, and my XXXXyo son attempted to take care of some Bill 's for me but was not aware o didnt use the checking info on file with XXXX  so that payment did not go thru. I usually pay them with my card due to them pulling payments days early when not authorized. I explained that to her and informed her I will be making that XX/XX/XXXX payment soon she advise that I make it by XX/XX/XXXX to avoid a neg reporting on my credit report. Then today XX/XX/XXXX I get an alert from XXXX  stating my account was reported as 30days late, when I attempted to dispute ( per XXXX  advise ) it tells me I cant dispute because I have already disputed the in accurate info from XX/XX/XXXX that was never updated/ changed as well. I would like my report to reflect accurate information as it drops my score when they do this and there is no accountability just the run around. Also I have paid over {$10000.00} on my loan since XX/XX/XXXX and my report only reflects {$2000.00} has been paid over the course of 3 years.
Consumer complaint received 2020-02-09
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. (FL)

I have contact XXXX  in regards to a 30 days late in XX/XX/XXXX being reported after I was granted an extension due to natural disaster here in Fl ( hurricane ), I also informed them of my diagnosis of XXXX and have always called and paid on my loan. I recently spoke with an XXXX agent on XX/XX/XXXX as I had just gotten out of the hospital, and my XXXXyo son attempted to take care of some Bill 's for me but was not aware o didnt use the checking info on file with XXXX  so that payment did not go thru. I usually pay them with my card due to them pulling payments days early when not authorized. I explained that to her and informed her I will be making that XX/XX/XXXX payment soon she advise that I make it by XX/XX/XXXX to avoid a neg reporting on my credit report. Then today XX/XX/XXXX I get an alert from XXXX  stating my account was reported as 30days late, when I attempted to dispute ( per XXXX  advise ) it tells me I cant dispute because I have already disputed the in accurate info from XX/XX/XXXX that was never updated/ changed as well. I would like my report to reflect accurate information as it drops my score when they do this and there is no accountability just the run around. Also I have paid over {$10000.00} on my loan since XX/XX/XXXX and my report only reflects {$2000.00} has been paid over the course of 3 years.
Consumer complaint received 2019-01-01
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I continue to receive credit card offers from CapitalOne at my home address. This is an issue from several perspectives : 1 ) Mail Theft - Someone can steal the promotion and with enough information obtain a credit card in my name without my knowledge. CapitalOne offers a " personal application code '' to make stealing my identity even easier 2 ) I have called and opted out of CapitalOne solicitations and yet I continue to receive these offers. I have NOT done business with CapitalOne for over 15 years because of their abusive credit business practices 3 ) I have  submitted the form with my name from the XXXX website to be permanently removed from all credit solicitations. All OTHER credit card companies have stopped sending solicitation yet CapitalOne apparently IGNORES this request 4 ) There is no CLEAR way to opt out of CapitalOne solicitation either in the mail solicitation or on-line. If you search online for CapitalOne and opt out you will see this frustration with various suggestion on how to opt out but no CLEAR way to do so
Consumer complaint received 2020-02-09
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. (FL)

I have contact XXXX  in regards to a 30 days late in XX/XX/XXXX being reported after I was granted an extension due to natural disaster here in Fl ( hurricane ), I also informed them of my diagnosis of XXXX and have always called and paid on my loan. I recently spoke with an XXXX  agent on XX/XX/XXXX as I had just gotten out of the hospital, and my XXXXyo son attempted to take care of some Bill 's for me but was not aware o didnt use the checking info on file with XXXX  so that payment did not go thru. I usually pay them with my card due to them pulling payments days early when not authorized. I explained that to her and informed her I will be making that XX/XX/XXXX payment soon she advise that I make it by XX/XX/XXXX to avoid a neg reporting on my credit report. Then today XX/XX/XXXX I get an alert from XXXX  stating my account was reported as 30days late, when I attempted to dispute ( per XXXX  advise ) it tells me I cant dispute because I have already disputed the in accurate info from XX/XX/XXXX that was never updated/ changed as well. I would like my report to reflect accurate information as it drops my score when they do this and there is no accountability just the run around. Also I have paid over {$10000.00} on my loan since XX/XX/XXXX and my report only reflects {$2000.00} has been paid over the course of 3 years.
Consumer complaint received 2020-02-09
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. (IL)

Countless Disputes With All 3 Bureaus to repeatedly report inaccuracies not to mention a breach of contract with Equifax where my report as well as personal data was compromised. Creditors and Bureaus are not reporting timely payments and paid accounts. However, late payments, charge offs and collections are reported and updated almost immediately. Not a fair or legal practice in which all credit bureaus proclaim and assure. Also, points that are deducted first for late payments or charge offs are never replaced with paid accounts or closed and agreed accounts. How is this considered fair credit reporting especially in a world full of fraud and scams. Equifax is one the leading major credit reporting agencies whom are now under investigation for data breaches but yet and still are deemed reliable to report important data on millions of consumer 's credit report.