davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PayTomorrow, LLC (FL)

On XX/XX/2018, I purchased a computer from XXXX XXXX XXXX XXXX, Wisconsin. The company used XXXX for its customer financing. My loan was shopped to several companies, including XXXX, XXXX, KRW Associates, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and more ). I  made the downpayment and monthly payments through XXXX. I have been receiving debt collection calls for a LEASE from KRW Associates after making {$930.00} in payments against a debt of {$1100.00}. I did not take out a lease, I applied for a loan. None of the paperwork that I was provided at the time said anything about a lease, or anything about KRW Associates being the backend loan provider for my purchase. In addition, when I looked up KRW Associates online to contact them, it is an Executive Search firm and a payday lender out of XXXX, NC. My purchase loan application made through XXXX XXXX  XXXX  XXXX  was transmogrified between these companies and KRW Associates, without the information being communicated back to me until now -- nearly a year AFTER I made the purchase. In addition, emails from KRW Associates that should show what I owe will not open on any computer or mobile device - it is as if they send corrupted electronic communications to hide what was being done. It wasn't until after I missed a payment that I got any notification that KRW was attempting to collect on a LEASE. This is a bait-and-switch fraud and KRW refuses to fix the account or work with XXXX or XXXX XXXX to clarify they had intended for my purchase finance to be a lease ( which is why I am now making this complaint ). I have attempted to fix this on my own for two months now, and am at a loss.
Consumer complaint received 2018-12-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma (TX)

I have been a victim of identity theft. I placed a fraud alert and credit freeze with the 3 bureaus. The applications are numerous and keep coming in. Although they are being declined due to the credit freeze, one of the applications for a pre-qualified personal loan through a bank was through Credit Karma. I do NOT have an account set up with Credit Karma, never have had one. I tried to get information from Credit Karma to cancel any account they have in my name because it is fraudulent, but they have no phone number, and have not responded to my email requests through their " Contact Us '' support email address. I put " URGENT FRAUD/ID THEFT '' in the subject line, and after 5 days, no response. If the thief has a Credit Karma account, they can get copies of my credit reports and have even more identifying information! I have contacted FTC, local police, credit bureaus, and the Postal Inspector General, but if someone has this much access to my credit file through Credit Karma, I want to know how they set up the account, and to get it cancelled. How do I get a response from Credit Karma?
Consumer complaint received 2018-12-11
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: EQUIFAX, INC. (DC)

XXXX XXXX XX/XX/XXXX XXXX performed an unauthorized hard pull, I spoke with XXXX XXXX XXXX and was told that they could setup services without performing a hard pull and simply needed to verify who I was. I spoke to the rep on the phone and they stated too that by going this route they would not perform a hard pull and assured me of that. They did not request my SSN. I later followed up with XXXX and the rep stated that this has been an issues and I am not the first to call about this problem.
Consumer complaint received 2023-04-10
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. (FL)

FXXXX XXXX XXXX XXXX is a debt collector for XXXX XXXX and they are reporting debt on my credit report for {$16000.00}. The debt is not valid because they can not verify me, and my consumer rights are being violated under the FDCPA. I am aware that XXXX XXXX received a big check from the government under the CARES ACT ( from XXXX XXXX XXXX ) for my household when the pandemic was GRUESOME AND DREADFUL and they still illegitimately got me evicted. Im being subsequently sent to collections by XXXX XXXX however the eviction was unfair and during COVID 19. I have disputed with Experian and they just keep updating the account!! XXXX XXXX violated my rights under 15 USC 1691, 15 USC 1681s-2, 15 USC 1692, 15 USC 1681a XXXX XXXX has violated my human rights and deprived me and my sons life and my personal information was sold to XXXX XXXX XXXX XXXX causing significant damage to my credit report with out my knowledge and consent!
Consumer complaint received 2022-10-20
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: Affirm Holdings, Inc (UNITED STATES MINOR OUTLYING ISLANDS)

in XXXX i received an alert via e mail that the company Affirm inc XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX the alert message said that Affirm had just approved a loan for me in the amount in excess of sum {$4000.00} + dollars, i immediately contacted AFFIRM AND ADVISED THEM WITHIN MINUTES that i did not request this loan. 
i was advised by Affirm i would have to contact the party receiving the loan to get the money refunded i explained i did not request it and i should not have to ask the party to refund something i did not do they replied i had to do it that it would be the only way to resolve the dispute i got the information from Affirm as to who the party was after several calls and threatening legal action the party agreed to refund the money back to Affirm the party did refund the amount but Affirm is still holding me liable for XXXX of the loan i did not apply for Affirm has since posted to the credit agencies that i opened a new account with them and that i owe them this amount i have called repeatedly and talked to supervisors and got nowhere i ask you please to help me resolve this this is a bad company doing bad business this company uses your telephone number as a way to authorize a loan in your name the company phone number is XXXX thank you for your time and consideration
Consumer complaint received 2018-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Between XX/XX/XXXX and XX/XX/XXXX there was a hard inquiry on my account that has been open sinceXX/XX/XXXX with XXXX XXXX for XXXX 's XXXX XXXX. The account has not been used since then nor have I had contact with XXXX XXXX or the furniture store sinceXX/XX/XXXX The inquiry was unauthorized and I was never informed that an inquiry would be ran. 
I called into XXXX XXXX 's customer service. They told me they can not access any information to the account because it's the store 's card, so they had to transfer me to that card 's customer service. When I reached the representative on that line, they told me they have no record of the inquiry being pulled and can not tell me why one would have been pulled. They claim to have filed a dispute through Transunion, but I do not feel confident that any actions were properly taken since they can not see their own inquiry they pulled. This is negatively affecting my credit because hard inquiries take points away. 
I do not understand how a company has no record, but had to have sent a report to a creditor requesting my information.
Consumer complaint received 2018-10-11
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: AMERICAN EXPRESS COMPANY (DC)

XXXX XXXX Points were clawbacked from my American Express Account I tried asking american express to reinstate those points since I have closed the card as I have moved out of US for a while and wont be able to use the cards. 

XXXX refused to do so claiming I was trying to game the system!
Consumer complaint received 2019-03-22
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (TX)

I opened an saving account with BBVA back in XX/XX/2018 with promised promotion of {$50.00} after 90 days with balance of {$100.00}. More than 90 days I still haven't received the bonus, I came to the branch and talked with the XXXX he said the bonus should deposited automatically after 90 days from the date of the first direct deposited of an checking account on XX/XX/2018, which is nothing related to my saving account. However, I still waited. That days has passed, no bonus add. I called the online customer service and talked to the XXXX, he apologized and said bonus will be deposited in couple days and he will monitor my account closely. I still have not received the bonus which has been almost 4 months. I sent them several emails and there was an escalated case has open but Everytime I told me a new deadline which is I don't have a clue about those days. Please be aware of BBVA bank, they talk so nice but they just trying to past time, and did not do what they promised. The whole system was failed and very unprofessional. Everytime they send an response email to mail, they always send the full page with the tone of lecturing about the requirements and such which is I met all the requirements. They don't look at the account details and just gave robotics answer. Don't do any business with BBVA bank.
Consumer complaint received 2017-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (VA)

I received a call today from a collection agency on behalf of Old Navy. I have never shopped at Old Navy, nor would I. I certainly did not apply for an Old Navy credit card. This is the result of some form of fraud, and if this is reporting against my credit, I will insist that all such reporting be removed as this is unfair. My name is XXXX XXXX, phone # ( XXXX ) XXXX. I have never gotten any information on this debt previously from Old Navy, just the collection agency. Apparently this debt came from 2013.
Consumer complaint received 2022-11-30
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: United PanAm Financial Corp. (NY)

Upon making a settlement offer I advised the agent that I wanted the info removed from my credit report. The paperwork I signed stated that it would release me from any responsibility related to the account, which I assumed was removing it from my credit as I discussed with the agent. As I review my credit file it is still on my report I called the company XX/XX/22 to rectify this issue which then became a he said she said issue. Due to the fact that I dont know their company jargon and the letter was written with specific wording it was not a removal by the companies definition. I advised to have the call pulled since they state all calls are monitored and recorded. They agreed, I called back a week later XX/XX/22 to which they advised me they could not obtain the call and due to that they were not going to rectify the situation.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-10-20
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: EQUIFAX, INC. (GA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2019-03-22
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. (TN)

Equifax ; XXXX and XXXX  are incorrectly reporting on XXXX ( page 8 of the attached credit report ) - partial account numbers XXXX and XXXX. The reporting is showing I have balances due on these accounts. I was dealing with these fraudulent student loans to my credit report since XXXX, 2018. I was successful in having XXXX and XXXX remove these line items from my credit report, only to find that the SAME student loan information was put back on my credit report. I never attended XXXX XXXX XXXX nor lived anywhere near XXXX. ( Please see attached letter dated XX/XX/2018 reiterating the situation ). ALSO, attached is a copy of the letter from XXXX XXXX XXXX XXXX - ( XXXX ) dated XX/XX/2018 wherein they state in paragraph two that the " XXXX was inadvertently directing our collection efforts to your attention for a federal student loan account belonging to another individual ... '' This incorrect reporting is harming my credit score.
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I applied for a credit card ( XXXX XXXX ) and they denied me because my credit was unavailable from the XXXX scores. I checked my credit score on XXXX XXXX and it also said my scores where unavailable, so I 'm just wondering what is going on?
Consumer complaint received 2022-06-14
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-11
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I tried contacting Equifax about the hacking of consumers credit report that was reported in the news. Tried unsuccessfully to contact them by phone. I proceeded to go on the internet to read the different articles on what I needed to set up my protection from hackers. XXXX articles stated that Equifax will protect me for 90 days than charge me for an extended protection. Another article said that it would protect me for one year with out charge. The same article also said that I should contact the other two reporting Credit agencies to see if their any problems with my credit and to protected my credit from hackers The only drawback is that other agencies would charge me. I feel I should not be charge for this service and that Equifax should pay since that were hacked. There are other items in these articles that make it difficult to proceed and protect the consumers rights.
Consumer complaint received 2022-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (HI)

I have a loan serviced by Shellpointe. The original XXXX loan amount was {$600000.00} with % 10 down with the understanding the PMI would automatically be dropped once the loan reached 78 % which it did a few months ago. It is now at 74 % LTV. All payments have been current. I have called repeatedly and filed written requests to remove the PMI to no avail The company sends requests for appraisals which I shouldnt have to pay for since the PMI by law should have been removed.
Consumer complaint received 2022-02-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IN)

A letter mailed from XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, VA dated XX/XX/2022, indicated my mortgage loan was being transferred to Carrington Mortgage Services, XXXX, IN as of XX/XX/2022. I have not received any communications from Carrington Mortgage Services on my transferred loan, nor has my automated payment been paid. 

As I understand, I should have been given a 30 day notice of the sold loan and Carrington Mortgage should have communicated with me on about my payment options. With all the junk mail I receive to refinance my mortgage, I am leery of sending a mortgage payment to a company I have had not communications with or a valid account number. 

Doesn't the new mortgage servicing provider have requirements to notify me of my mortgage rights and responsibility for payment? 

Thank you, XXXX XXXX
Consumer complaint received 2018-04-24
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: WELLS FARGO & COMPANY (PA)

Between XX/XX/XXXX and XX/XX/XXXX there was a hard inquiry on my account that has been open since 2016 with Wells Fargo for XXXXXXXX XXXX   XXXX XXXX. The account has not been used since then nor have I had contact with Wells Fargo or the furniture store since 2016. The inquiry was unauthorized and I was never informed that an inquiry would be ran. 
I called into Wells Fargo 's customer service. They told me they can not access any information to the account because it's the store 's card, so they had to transfer me to that card 's customer service. When I reached the representative on that line, they told me they have no record of the inquiry being pulled and can not tell me why one would have been pulled. They claim to have filed a dispute through XXXX, but I do not feel confident that any actions were properly taken since they can not see their own inquiry they pulled. This is negatively affecting my credit because hard inquiries take points away. 
I do not understand how a company has no record, but had to have sent a report to a creditor requesting my information.