davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

In XX/XX/XXXX, I discovered a fraudulent account had been opened with my social security number and was showing up on my Equifax account as unpaid. The other two credit agencies did not place this fraudulent account on my credit report. 

I opened a dispute with Equifax, with whom I've had a security freeze since XX/XX/XXXX. In XX/XX/XXXX, I moved to Pennsylvania, where I currently live. This fraudulent account was opened in XX/XX/XXXX for the address XXXX XXXX XXXX, XXXX AL XXXX. The reference number for the dispute is XXXX. 

Equifax closed the dispute, claiming I lived at the address in XXXX Alabama. I have never lived at this address, which can easily be verified by looking at my current mortgage information. 

I'm horrified that someone can fraudulently open an account, that the utility company with whom they opened the account never conducted a proper credit check ( if they had, they'd have seen that I have a credit freeze ), and that all it takes is for a company to claim I lived somewhere for this to negatively affect my credit.
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I have tried to removed several addresses from my credit report that are not deliverable by usps and are very old and have errors and are damaging damaging to credit file health. Experian has not remove one address at all.
Consumer complaint received 2022-08-19
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. (FL)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the identity theft. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$150.00} XXXX XX/XX/2022
Consumer complaint received 2019-06-11
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. (NC)

I have disputed the reporting of the XXXX XXXX XXXX account # XXXX on multiple occasions ; however, the bureaus continue to report a past due amount for this account. I have never had a contract with this collection agency. I have never been past due with XXXX XXXX XXXX, yet this is still being reported. Each time I dispute the accuracy of the reporting of this account, it comes back as verified. The bureaus are reporting inaccurate and financially detrimental information.
Consumer complaint received 2019-02-12
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. (MD)

Greetings, Myself and my spouse both Military XXXX XXXX members. 

Company XXXX XXXX, lender reached out to us for re-financing in XX/XX/XXXX. We have provided certain information but never authorized to run a credit report. 

Credit report was obtained without our authorization. 
Credit report was obtained individually on XX/XX/XXXX ( individually ) Credit report was obtained jointly on XX/XX/XXXX ( jointly ) Mortgage was obtained from XXXX XXXX ( XXXX XXXX ) subsequently. 
I requested XXXX XXXX to remove one of the inquiry, but they refused by justifying their pushing and unethical practices. Bottom line is reports were obtained before authorizations.were given. 

This is not about what may or may not impact our credit report, its about obtaining credit report without authorization and without letting us know as consumers. 

even though I did my best to resolve this situation by reaching out to them on XX/XX/XXXX with Mr. XXXX XXXX. 

XXXX XXXX XXXX XXXX  Executive Office | Resolution Advocate Direct : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX Ext. XXXX XXXX Mr. XXXX XXXX refuses to remove my request of XX/XX/XXXX inquiry, furthermore justified that this inquiry was necessary by XXXX XXXX in order to obtain VA re-financing. ( one day apart ) Mr. XXXX XXXX also explained that he did his due diligence and based on the investigation he conducted their company has proper authorizations to pull our credit report. 


Please see attached letter and my correspondence with XXXX XXXX  I am not the only consumer on whom XXXX XXXX used their predatory practices. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (WA)

I have an auto lease with BMW Finance. 
I have set up auto payment since the beginning of the lease on XX/XX/XXXX. All monthly payment went well except for one on XX/XX/XXXX. 

BMW Finance usually collects $ XXXX monthly via auto payment. 

On XX/XX/XXXX, BMW Finance posted {$79.00} on my bill and collected that amount via auto payment. 

On XX/XX/XXXX, BMW Finance posted {$940.00} on my bill and successfully collected that amount via auto payment. 

According to BMW Finance email, it was caused by their own computer system error. When I contacted BMW Finance via phone, the representative promised to fix the issue.

I did find the payment was made up the next month via auto payment. So I assume this issue was resolved.

A few months later I received alert from my credit monitoring service that there was a late payment and BMW Finance initiated debt collection and reported my miss payment. I ran my credit report today and saw the error went on my credit report, saying that I have one over 30 days late payment. 

While on this auto lease, I have never changed payment source, nor did I change payment schedule. I signed up paperless payment so I did not receive any communication from BMW that I missed payment. In fact BMW Finance was trying to secretly fix their error by making up the amount in the next month 's bill, and collected it automatically, without issuing me any written notice for record. BMW Finance is 100 % responsible for their system error and the representative admitted it via phone.

BMW Finance refuses to provide any written evidence of this issue thus making it very hard for me to  make a dispute to correct my credit score.
Consumer complaint received 2019-02-12
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. (NC)

When I pulled myTRANSUNION credit report on XXXX XXXX after being denied a loan. I saw XXXX XXXX had put two collections on my report 1 for {$100.00}. Both XXXX XXXX  1-for {$2000.00} plus I contacted XXXX XXXX immediately. I spoke to a rep there and asked her about the bills she stated that they were from XXXX. she said that they had been sending the notices to XXXX   XXXX XXXX XXXX nc and a fraud #. XXXX. ... I told her they were not mine. I told her that I had XXXX XXXX XXXX and Medicare insurances at that time and my address was not XXXX XXXX  but I changed my address from XXXX XXXX XXXX XXXX XXXX XXXX  nc as per the XXXX XXXX XXXX XXXX. ( to  XXXX XXXX XXXX XXXX nc XXXX ) usps confirmation of change was made on XXXX XXXX 
At that time she changed my info to what I stated was address and phone # and she said I had to pay it because it had been too long and my insurances would not pay them now ..I told her they were not my responsibilities. I contacted transunion and they did a investigation and only took one if the place XXXX medical bills off my credit. Why not both they were at the same time & same place she said ..they took off the {$100.00} bill but left the {$2000.00} plus on my REPort. And transunion then put a seven year credit freeze on my report without my consent. I want them both taken off.. They are fraudulent charges I have a identity theft file registered with the FTC. Also the office of the comptroller for currency recently confirmed via letter to me on XX/XX/XXXX over 20 fraudulent credit inquiries and apps thru XXXX XXXX XXXX that was also fraud along with many other entries..
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute and demand the immediate deletion of fraudulent accounts associated with my name and personal information XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX.
Consumer complaint received 2019-02-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Premier Holdings (FL)

I was contacted by telephone by a company called Premier Holdings regarding a credit card I supposedly had 12 years ago and did not pay. First of all I have no recollection of this and told the woman that. She immediately threatened to sue me and said something about my current vehicle which I did not understand, and when I asked her to repeat what she said she said she was no longer going to talk to me and hung up on me. I have received nothing about this matter before this telephone call. The woman ( Miss XXXX ) was beyond rude and hateful. She had no desire to explain things to me just when and how much could I pay or someone would appear at my door to serve me to appear in court. I called back and asked for a supervisor and received Miss XXXX who refused to let me speak with anyone and again was abusive. Who is this company and how are they allowed to treat people like this?
Consumer complaint received 2019-02-12
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. (TX)

I have attempted to dispute with both Equifax and XXXX  unsuccessfully to have this inaccurate information removed. My credit reports are showing I have a deliquent account with XXXX XXXX XXXX which is incorrect. I asked them to send a validation giving a detailed breakdown of the alleged balance I owe. They sent this document which reflects a XXXX  balance. If I owe something then I need proof of it and they have been unable to provide proof. I have attached a statement showing a XXXX balance that I received from the alleged creditor.
Consumer complaint received 2017-05-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (NJ)

I have tried working out payments with the loan servicing company. However, due to job losses I fell behind few payments & could n't keep up. This year after I filed my tax return, I was shocked to find out that IRS has applied the entire refund amount ( {$2000.00} ) to a past obligation. When I contacted IRS  ' Bure   au of Fiscal Services  (  BFS ) to find out the reason, they gave me the phone number for the loan servicing company to contact.   This is definitely not fair, as I 've worked with them to make payments. As a private, for-profit company, they should not have the right to withdraw money owed to me by a federal government agency.
Consumer complaint received 2019-02-12
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: EQUIFAX, INC. (FL)

I can not believe Equifax 's response. They indicated they could not locate a file for me yet they report information every month. Again they are reporting a XXXX XXXX on my report and it's over 7 years old. I want it deleted!
Consumer complaint received 2019-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CO)

We send our our mortgage payment plus an extra {$500.00} every month ever since we have had our loan with Ditech. They have miss applied our payments for a couple of years now. They have called us making threats that our mortgage is not being paid they keep adding it to a funds in suspense account. They keep charging us a late fee. Our mortgage balance keeps going up instead of down even though we are paying an additional {$500.00} that needs to be applied to the principal. We have made several calls and nothing is resolved. They keep telling us that a supervisor will call us back or that the department that fixes the mistakes will call us back and nothing. 

We need to get this fixed immediately. We have proof that our bank has been sending our payments every single month on time. Sometimes they take up to 2 weeks to apply our payment after they receive it. 

Please help we have no idea what else to do.
Consumer complaint received 2019-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXX I submitted the following complaint to CFPB : " On XX/XX/XXXX, I contacted Transunion to resolve unauthorized inquiries on my credit report. I called and asked to speak with a US representative. I was on the phone for over an hour getting hung up on and transferred to multiple departments. I recently pulled my annual credit report and noticed many inquiries that were removed had been slowly added again. They were added during the data breaches of XX/XX/XXXX and XX/XX/XXXX. They were later removed, but have since been reinserted. I was told that it was not possible to remove them. I did NOT receive a written 5 day notice informing me about the breach or transunion reinserting the inquiries. This is a violation of the FCRA. Transunion may not continue to violate my rights. 
Please remove the inquiries that were added back. I have included a list of inquiries that should be removed. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX   XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX   XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Pleas do not reinsert these. Thank you. '' The company ( Transunion ) responded via mail and stated that they would not be removing the inquiries. According to the FCRA, these inquiries NEED TO BE REMOVED WITHIN 30 DAYS. Transunion is violating my rights and this will not be tolerated any longer. Please remove the inquiries and send my new report to the address that you have one file.
Consumer complaint received 2019-02-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (TX)

Hello Respective Officer, HEre Iam writing this complaint against EQUIFAX - XXXX [ XXXX XXXX was the person who handled my Insurance file ]. 

I had XXXX Bitcoins in mine and my Husband account and they were stolen in a FRadulent way from both of our accounts, the fraudstaers claimed themselves as representatives of XXXX [ XXXX XXXX XXXX company ] and took control over our accounts and moved the digital assetts from our account to theirs! I reported this incident to the XXXX in two hours and requested to hold the transfer but it was already transferred and they couldnt hold the transfer! And since then I updated them the whole situation and how the fraudsters claimed themselves as XXXX  and cheated and stole the assetts but I was left with Rejection! 

I tried my best explaining the situation to XXXX but they rejected my REFUND .Hence I had to reach the insurance provided by XXXX [ TRUSTEDID ] for me, Identity Theft which also covers FRaudulent activities! After submitting all the, they rejected saying these are not financial assetts .I dont want to accept the reason for Rejection as this was a complete Fraudulent act which was covered under the insurace! 

THankyou and looking for justice and REFUND! 

I do have a POLICE complaint in place and email conversations and any other proofs needed! Have attatched the Police complaint and Summary of Benefits! Let me know if anything else needed! Included the email conversations with XXXX  and the screenshot of the transfers done!
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Upgrade, Inc. (TX)

I was pre-approved for upgrade inc Visa card and I applied and then I received a error declined message with bunch of weird numbers on the top of my screen its like Im not a allowed to have a credit card at all.. since upgrade has closed my checking account last year for a check deposit that wasnt mines and my account was a takeover by a thief .. and they havent fully closed that checking account .. and I was looking to get a credit card with upgrade since I have a open loan with them over a year ..I applied for credit card on XXXX I was denied again and again it
Consumer complaint received 2019-02-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MI)

First of all, I am wondering how XXXX XXXX XXXX is still in business running the same scam as before the CFPB sued them. They did not speak with several of my loan companies at all and by the time they realized that two of them wouldn't work with a debt relief company I was already over 8-months behind in payments and catching up put a huge financial burden on my family and I had to take money out of my 401K ( and the tax penalty ) to catch up the payments. Because, not only was the payment per month to XXXX not being adjusted for the accounts that wouldn't settle, I was now having to pay 3 companies more than I was paying prior to signing up with XXXX and their monthly fee. I was also sued by a credit card company because they didn't negotiate in time. Then when I was told my last payment would be in XXXX, they extended the program to XXXX because I still owed them fees. We decided to take out a Home Equity Loan to pay them off once and for all because I took all but one of my debts out of their program was told that all I had to pay was {$780.00} and would never have to deal with them again, called in today and all of a sudden they said I owed upwards of {$1600.00} to pay them off. She eventually corrected the amount to {$800.00} but still not what I was told just last week. This entire company is a scam. They wouldn't let me leave last year and take the settlement to XXXX, who, by the way, is a much better and more client focused debt relief company, because I had a structured settlement. And that settlement was for 50 % of the debt I owed but the fees they charge, 25 %, make this program almost useless. Why settle if you are just going to charge that amount in fees. I am unclear how the CFPB allows this company to continue to scam people. I have lost over {$2500.00} with them and even though I am paying them off in two weeks they told me I had to continue to pay my monthly payment until XXXX so I had to make a special request for them to halt my automatic payments they have coming out twice a month.
Consumer complaint received 2019-02-12
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. (GA)

I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove this item from my credit report, an FTC and a police report had been filed, they will be attach to this complaint.
Consumer complaint received 2019-02-12
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. (GA)

I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove this item from my credit report, an FTC and a police report had been filed, they will be attach to this complaint.