davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-27
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: SYNCHRONY FINANCIAL (CA)

I thought I wanted the XXXX credit card. I submitted my application. Within a minute I changed my mind. I called XXXXXXXX XXXX XXXX XXXXXXXX to cancel the card. I was told by the employee that my card was canceled and he assured me that a credit check will not happen. To find out on my credit report a hard inquiry was done on XX/XX/2021 the same day I called an canceled. I was told twice by XXXX to call them and ask for a letter, so it will come off of my credit report and twice I called XXXX XXXX XXXXnd they said there was nothing they can do because when I send in the application online even though I wanted to cancel it. They still automatically do a credit check. I tried to explain to them how wrong this was. I said to them " Well since you did my credit report without my permission I might as well just get the card. I was then told by two different people that I would have to do another credit check? Their system doesn't make any sense too me. It is absolutely wrong.
Consumer complaint received 2022-04-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report - to this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in regard to my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will fill litigation due to the stress caused to me. My information has also been impacted by recent credit bureau breaches within the last year and my information may have gotten into the wrong hands
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AL)

I recently traded my vehicle in back in XX/XX/XXXX. At the time i had a fraud alert on my equifax report and they could not pull my credit at the dealership. I contacted Equifax customer care and the freeze was removed. I was still having some issues with the dealership pulling up the report so i was told to allow 24 hours and they will be able to pull my report. I waiting it out and went back to the dealership the next day and it was still not able to be retrieved, we reached out to equifax several times and every rep stated they see no freeze or fraud alert and everything is ok. My dealership was able to get me financed with this issue still in play. So now i notice when i check my credit report, my equifax score is not updating. The score is still on XX/XX/XXXX. Also my new car is not on my equifax report, but they are on my XXXX and XXXX. My recent car payments has really made a change in those scores and are exceeding the score that is showing with Equifax. You can see the Car inquiry from the car dealership on XX/XX/XXXX but my car is not on the report. Its hard to get through to equifax and its hard to get a representative that understands. I have not had any issues with XXXX or XXXX, My scores are going up thank God to my payment history and i see them change on a regular bases. But not my Equifax. I notice a lot of companies now are using the Equifax score to approve you and i really need help to resolve what is going on them and my credit profile. I login into my Equifax profile on equifax.com and it still on the same information from XX/XX/XXXX. No current report as if i dont have credit. Im not sure what is going on. I am trying to get my credit up so that i can possibly soon purchase a home and other goals i have and i dont want this to have an impact on me getting approved. I have attached my XXXX XXXX view of my equifax and my actual equifax.com view of my credit profile. You can see On XX/XX/XXXX. My credit profile and information was there. And look at the one with todays date XX/XX/XXXX, it shows not personal information or credit profile. Please Help.
Consumer complaint received 2022-01-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION (PA)

In my complaint about Regional Acceptance, they stated that my repossession was not voluntary. It was due to the fact that my ex turned it into the dealership located in XXXX, TX. Regional failed to respond promptly when I called to let them know where the car was located. Furthermore, Regional sold my debt to a collection agency and should not have any say so on how this issue should be resolved. Once it was sold, they no longer had that right. I want this debt removed from the credit reporting agencies since the FOUR year statute of limitations has ran out, not SEVEN like they are trying to state when they have no say so. Texas is four years, not seven. As a consumer, I know my rights and I would appreciate Regional not trying to play for me stupid.
Consumer complaint received 2018-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (KS)

I have made 44 qualifying public service loan forgiveness payments. However, XXXX XXXX is only qualifying 25 payments because they say a. ) I was not employed from XX/XX/2015 until XX/XX/2015 when I was and have submitted that evidence and b. ) I was in " paid ahead '' status and did not apply my extra payment to principle so they could disqualify my payments for the last several months.
Consumer complaint received 2017-06-27
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. (VA)

I have someone who stole my identity, I am a XXXX woman who ca n't even get out of bed, and she have applied for things on my credit that is ruining my life, She has just been took in in custody as of X/XX/17 ... I have just had inquirys removed due to fruad and they have either came back or she have applied for fruad lent things in my name please help and remove these from my credit report ... Im in need of big help I have a fruad alert on my credit report and that did not help they still appeared
Consumer complaint received 2021-05-17
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. (NY)

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2018-07-12
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: EQUIFAX, INC. (FL)

Re : Unauthorized Credit Inquiry I recently received a copy of my three credit reports from XXXX, XXXX and Equifax. The credit report showed a credit inquiry by XXXX XXXX XXXX XXXX that I do not recall authorizing. I understand that they are not allowed to put an inquiry on my file unless I have authorized it. I contacted the bank by phone to close my secured credit card account but by no means should they have run a credit check just to close my secured credit card account. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail to XXXX XXXX because I need their prompt response to this issue but I have not received any responses. Please be so kind to have this unauthorized inquiry removed. I am closing all my accounts with the bank next month ( XX/XX/2018 ) and will no longer be doing business with them. I am going to file a police report for identity theft as well.
Consumer complaint received 2017-06-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Ad Astra Recovery Services Inc (KS)

I took out a payday loan at XXXX XXXX on XX/XX/XXXX, and subsequently was unable to pay. They sent it to their collection agency, Ad Astra Recovery. I filed for Chapter XXXX bankruptcy on XX/XX/XXXX and they were included in my case. They are still reporting on my credit, and I have contacted them in regards to the issue, and they 're always rude, even after I made them VERY aware that I had filed and they were included. The amount shows {$430.00}, and that the account is still open. I even gave them my bankruptcy case number, as well as the number to my attorneys office. I am trying to start my credit profile over again, and I have been denied a few things all because of this inaccurate status.
Consumer complaint received 2015-04-28
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

This is an new issueThe bank opened up an account with funds obtained from a previous account. The Bank was mailing statements until recently. The address listed below was used to mail statements without my consent. 
XXXX Fl XXXXThe statements have stopped being mailed. The bank has made no attempts to contact me concerning this issue. 

The bank has a policy to stop mailing statements this way when fraud occurs they are not responsible.
Consumer complaint received 2015-07-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMO Bank, N.A. (IL)

BMO Harris Bank issued me an auto loan. Once I 'd paid the loan in full and filled out a change of address form on their own website that same day - they still sent the loan to the address from 3 years ago. They told me they would call back in a week if the title had n't been returned and make it right - they never called back - every time I call they make up some excuse and are basically just hoping I go away.
Consumer complaint received 2022-01-27
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. (SC)

My identity may have been used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX I am seeking to have the potential FRAUDULENT information removed from my credit reports. attached below was sent to the credit bureaus months ago, documentation supporting my claims. The credit bureaus are still reporting the potential FRAUDULENT items.
Consumer complaint received 2022-01-27
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. (CA)

Someone or some companies have used my social security number to apply for multiple credit lines, loans and bank accounts causing many inquiries on my report which i did not authorize. These inquires do not belong to me ; XX/XX/XXXX california XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX first citizens bank XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX first XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX UNIFY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX va XXXX XXXX XX/XX/XXXX AOD federal credit union XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX Ally bank XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX DBA XXXX ; XXXX XXXX XXXX XXXX ND XXXX XXXX XX/XX/XXXX XXXX bank XXXX XXXX market XXXX XXXX DE XXXX XX/XX/XXXX Elastic XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XX/XX/XXXX XXXX credit XXXX XXXX XXXX XXXX XXXX FL XXXX UT XXXX XXXX
Consumer complaint received 2021-05-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (DE)

I am refinancing my home mortgage with a new company, AmeriSave. We closed in the loan XX/XX/2021. The payout/disbursement date was due to be in XX/XX/2021. On XX/XX/XXXX, no disbursement was received. I inquired with the lender, the representative of the closing company XXXX stated they do not have any payoff information. I provided the information on XX/XX/XXXX. Later that week I was told they would need the payoff statement notarized. They sent someone to notarize the document. On XX/XX/XXXX and XXXX I inquired again and was told it was in process. Now it is Monday XX/XX/XXXX and neither I, the borrower who was expecting cash proceeds nor the lender have received any funds. It is 14 days post closing and 8 days after the payoff date. Thank you for your time in registering this complaint.
Consumer complaint received 2022-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AK)

My loans were consolidated across three services in XX/XX/2011. It took nearly 5 months for the loans to be consolidated. I was given misinformation by XXXX repeatedly about who held the loans during this time period and lost 5 months of being able to make relatively low payments on my student loans that would qualify for pslf. XXXX shows that I was in forebearance during this time period. I did not request a forebearance and have tried multiple times to have these months reviewed. DoE was the one who informed me that fedloan in fact held this loan about a month after it was consolidated. I also have a month in which fedloan was paid twice and now fedloan indicates that this payment is ineligible. The foreebearances placed by XXXX add on my account add up to 7 ineligible payments for unknown reasons. I would be done with pslf if they had kept accurate records.
Consumer complaint received 2022-01-27
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. (OH)

Experian is playing the up and down game with me wich is putting me in high interest rate status they keep saying I have serious delinquent on report but the bills have been paid in full. My credit usage went up {$71.00} dollars and my credit score dropped XXXX points. I want them investigated to see if they are targeting certain Individuals or Races due to up and down changes on accounts I have payed all my bills on time and they are still playing this game with me year after year
Consumer complaint received 2021-08-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (SC)

Wallet was stolen with social security card, military ids, state driver 's license at the beginning of XX/XX/2021. I filed a police report with XXXX police department in XXXX SC. I've been receiving credit statements and overdrawn bank account statements that I didn't apply for. 
XXXX XXXX  Bb & t bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My name is XXXX XXXX. Bank of America made the fraud on my earning from " cash reward credit card ''. 
BoA sent me a " Cash Reward Credit Card promotion letter " on XXXX. XXXX that promised 3 % cash back on traveling purchase and others... ETC. so i applied this cash reward credit card soon. But after i used the new card to purchase the airline tickets on XXXX XXXX and XXXX XXXX which's total {$1100.00}. There are no any cash back earning on my account. Showing " XXXX '' on cash back earning. I have called the BoA consumer service XXXX. They refused to issued any reward earning to me. The reason they claimed was '' I didn't pick up the purchase choice on traveling category before made the purchase. '' When i did activate the new credit card through the phone of BoA. The AI message just said " You can use your cash rewards card to make a purchase Right NOW '' without mentioning anything else like " you must make your purchase choice on " traveling category " on your account online before you make that type purchase. It doesn't make any sense for credit card holders in normal. 
The BoA is definitely fraud on unacknowledged to customers in advance then refused to redeem their promised rewards.
Consumer complaint received 2022-04-11
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. (MI)

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 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 2024-03-09
Product: Credit reporting 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. (MI)

FILE TRACKING # XXXX # XXXX Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pictures of proof included XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX REPORTING PAYMENT HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 

PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX FOR TRANSUNION
Consumer complaint received 2022-04-11
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: Experian Information Solutions Inc. (OH)

As I was going over my Experian credit report I notice the following noted by XXXX XXXX XXXX  Credit Card, and I was wondering would the reporting of these 7 missed payments ever be removed off of my Credit report, is there a timeline for the removal. 

It has been 2 years from XXXX, how long will those payments stay on my XXXX, Experian and XXXX credit file. 
It has been since XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2018-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Re : Unauthorized Credit Inquiry I recently received a copy of my Transunion, XXXX  and XXXX   credit report. The credit report showed a credit inquiry by XXXX that I do not recall authorizing. I understand that they are not allowed to put an inquiry on my file unless I have authorized it. I contacted the bank to inquire about closing my auto insurance, savings and checking accounts. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have decided to close all of my accounts with this institution next month after i acquire a new auto policy with XXXX. I have already closed the savings account and will be closing the checking account via phone as well.
Consumer complaint received 2022-01-27
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: Experian Information Solutions Inc. (TX)

The following closed and collections accounts have been placed onto my credit report without my verbal or written consent to do so, and is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit or even housing in the future. Due to these facts given the following closed and collection accounts must be removed : CLOSED ACCOUNT : XXXX XXXX XXXX  XXXX. ( THIS ACCOUNT HAS ALSO REACHED ITS STATUTE OF LIMITATIONS ON DEBT ) COLLECTIONS : CONVERGENT OUTSOURCING