davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I filed with trans union a dispute Report Created On : XXXX/XXXX/2021 File Identification Number : XXXX Provided by TransUnion Consumer Relations This account is XXXX XXXX XXXX XXXX XXXX $ it isnt my account address and entire social security number does not Match this is not my account removed immediately provide proof that this is my account I request you show my the entire social security number and address match me if not remove it asap before I enter law suite
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

The Equifax company, for decades, since the beginning of that company, has NEVER been able to verify my identity, and therefore, refuses to respond to my registered postal mailings, my emails, my phone calls, or anything. I have never received a credit report from Equifax, since the beginning of that company. They only thing Equifax has ever done is mail me a piece of paper saying they can not verify my identity. 

Today, I was denied the opportunity to open an account for home internet service because the internet service provider uses Equifax, and Equifax has frozen my credit report. Without home internet, I am unable to interview for online jobs with companies, and am unable to be employed online with many companies. All this is due to Equifax. 

This is not a one-time episode of Equifax meanness. This has been their everyday routine since the beginning of that company.
Consumer complaint received 2020-06-03
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.
Consumer complaint received 2018-10-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (NC)

I took out a {$900.00} loan. I have now paid back {$1500.00} and they are saying my principle balance is still {$690.00}!! Turns out, my interest rate is 501 % and I will have paid this back about 10 times before I have it paid off. I never saw an interest rate before signing. I new my monthly payment was {$310.00}, but I assumed that was until I had paid off the {$900.00}. But it still comes out every month. 

Looks like they are a tribe and say they are not covered under federal law ... 

They are called Big Picture Loans.
Consumer complaint received 2021-06-09
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. (IL)

I been disputed the following account with credit Bureau and they have denied my dispute as item mine, but I'm victim of Identity Theft, account doesn't belong to me. I am maintaining a careful record of my communications with you on this matter. 

For the record, the following information is being erroneously included on my credit report. 

1. Mistaken Identity XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 


If you do not immediately remove this inaccurate and incomplete information.
Consumer complaint received 2021-07-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

USAA FEDERAL SAVINGS Bank reporting to the 3 credit bureaus as a derogatory mark on there I aske that this be remove balance of {$20000.00} is a negative report on my credit reports AND HAVE SENT SEVERAL LETTERS TO AGENCY ALL COME BACK RETURN TO SENDER
Consumer complaint received 2023-04-06
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. (MA)

XXXX  consumer reported my account 30 days late for the months of XXXX, XXXX, and XXXX when account was in fact paid. I have statements from XXXX that show account was paid before the due date. This is not the first time XXXX has falsely reported information to the credit bureaus
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX! 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-06-10
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: EQUIFAX, INC. (WI)

In accordance with the XXXX XXXX XXXX and XXXX XXXX XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2018-04-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

i made a complaint no ; XXXX from you guys to wells fargo mortgage. i was just told from wells fargo rep that they can not give me a history of payments because of it. you see anything i can do to get rid of well fargo am trying to do. i can not get a new mortgage company unless i got that history account from my XXXX XXXX father XX/XX/XXXX.the main reason itrying to get rid of them because they been giving me a hassle for modification since XX/XX/XXXX are close to that. i am the deed holder of my father account wells fargo and the title team keep asking me to send them recorded petition reach i been sending them since XX/XX/XXXX i am on social security disablity i think they wellfound a way to deny me because they today it is a legal issue that why they can not send me that payment history i also believe that one of my daddy home ownner insurance could pay off his mortgage when he XXXX not current one but the one he had before he died and it was sold over and over again. i cant gt rid of them i cant remodify .i am being punish for contacting you guys i am still a us citizen that company should be investigated upside down not just sending them this complaint form and waiting for a response salesman will get around that
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NH)

In complaint XXXX, you stated that the company has updated my credit report but that is incorrect. I was recently denied access to multiple loans and questioned by NH bar admission regarding the late payments showing from XXXX from Comenity. They have not fixed my credit report and every attempt to rectify this with Comenity directly runs into errors from the company. I am told they are experiencing difficulties and to call back later. I need to have this removed and request that the company be held responsible for their lack of good faith and deterred drom these activities in the future. I even attempted to fix my credit report for the 4th time, latest being around XXXX where Comenity reconfirmed the late payments that are inaccurate as I never missed a payment. Thank you and best wishes
Consumer complaint received 2023-03-23
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. (GA)

This is an identity theft account. 

XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX This is a fraud account. They had originally said that I owed over {$10000.00}. I reported it and it was removed already from my report and now it's appearing again. Now they claim I owe them {$4600.00}. Please investigate and delete and block them.
Consumer complaint received 2022-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the XXXX XXXX XXXX and XXXX XXXX XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-05
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Climb Credit Inc. (NC)

In XX/XX/XXXX I enrolled in XXXX education services. I attempted to cancel several times. Received confirmation of cancelled class in XX/XX/XXXX. They did not offer the type of service advertised and my advisor was in XXXX which made it difficult to communicate. XXXX  contacted me on XX/XX/XXXX to sell the loan for 1 month of service to Climb. ( Only did classes up to unit XXXX ) I responded to them on XX/XX/XXXX highlighting that I did NOT consent to financing one month of service with Climb I called Climb on Friday XX/XX/XXXX. To get more information on the loan. They refused to confirm loan amount, they refused to provide any assurance that they would resolve this issue. I highlighted several times I did not consent to financing this amount. I am making this CFPB complaint because I don't have any idea what terms XXXX  signed me up for it what fraudulent information they provided. I consented to financing the whole class at enrollment but once cancelled I had to pay for the time I was there due to XXXX  finance agreement with Climb. 

Climb took on this loan knowing it was likely fraudulent since it's outside of their standard financing agreement.
Consumer complaint received 2018-11-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: AMERICAN EXPRESS COMPANY (TX)

I have an American Express Serve prepaid credit card, the card can not be used as a debit or with a PIN number for purchases or cash back. On XX/XX/2018, a few days after my payroll deposit, I attempted to use the card to pay for a bill and my transaction was declined. I logged into my Serve account and noticed I had a negative balance as a result of transactions duplicated from the day before. I clicked the " contact us '' link at the bottom and was redirected to a page that gave 3 contact options ; call, email and twitter. I chose twitter. I sent my message and was told I could not be helped using twitter and I was provided an XXXX # to call. I called the # and was forced to hold for 30 minutes before finally reaching someone on the phone. At that time I was told that  American Express Serve was experiencing system issues which caused a glitch resulting in them overdrawing my card. I was then told I had to wait two days to get back my money. This delay in them correcting their mistake cost me {$50.00} in late fees and other fees as I had to get money from other sources to make up the difference caused by American Express Serve taking my money and not immediately returning the funds. I tried to get them to reimburse me the {$50.00} and they denied me. 

Since having this card, I get my money before my pay date, they advertised that you can get your money sooner. I was scheduled to receive, as I have been, my payroll deposit on XX/XX/18. I did not get my deposit. I called American Express Serve and was told they were having system issues and upgrading their system and to wait another 3 hours and my funds should be there. After waiting another 5 hours, the funds were still not there. I called customer service and was not given any information what so ever and as of right now, XX/XX/18 XXXX I still do not have my money. If American Express Serve has changed how they will be servicing me, I would appreciate advance knowledge of these changes. Had I known I would not get my money as scheduled, as experienced, I would have redirected my money and closed this card out. 

I need my direct deposit as I have a bill to pay and I can not because they are holding my funds. I need to be reimbursed for the fees from them overdrawing my card. I need to know if they are changing the way they service customers ; will money no longer be available early?
Consumer complaint received 2020-12-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Colten Mortgage, LLC (AZ)

Company currently sending out misleading advertisements stating your FHA- insured loan currently with XXXX XXXX XXXX has been identified as one eligible for this potential MI removal program which can reduce your monthly payment by xx.xx $ per month. To accept this opportunity, call our office at XXXX before XXXX XXXX. 

Have your notification number ready and cal out MI removal department at XXXX. 

Demand will be high so requests for information will be processed in order that calls are received. 

The fine print states this program is only for FHA loans.
Consumer complaint received 2022-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gurstel Law Firm, P.C. (AZ)

I am the victim of identity theft and have been constantly harassed for years. Gurstel Lawfirm knew the debt was not mine. Yet, they filed a false debt collection lawsuit with XXXX XXXX XXXX XXXX, never served me with the complaint and summons, and only sent me stuff on default judgement in an attempt to bypass the judicial system in what I am just now finding out is XXXX. They even submitted a fraudulent summons delivery report on XX/XX/2022 from a XXXX XXXX that is probably forged. My wife was home recovery from a XXXX XXXXXXXX between mid XXXX and end of XXXX. No one ever rang our door bell and there were no papers left. I do not owe them the XXXX nor the XXXX because the debt is not mine. 

Police Report Number : XXXX
Consumer complaint received 2019-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

Payments are made electronically using my credit union bill pay function and scheduled at the beginning of each month. Payment of XX/XX/2019 ( a Sunday ) was posted to Synchrony Bank on next business day, Monday, XX/XX/2019 and I was charged a {$28.00} late fee. When I did not pay the late fee in XXXX, was assessed an additional {$41.00} late fee, which has since been credited. 

I have contacted call center on two occasions, last being Monday, XX/XX/2019, when I was told the {$28.00} fee was credited. It still has not been, and collection attempts are beginning all over again. 

I have been very clear with call center employees that payment on the next business day satisfies all common business practices in the U.S with every other bill I pay. 

Thank you,
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX {$5000.00}
Consumer complaint received 2023-04-06
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NY)

I received a text message from Chase asking if I authorized XXXX XXXX XXXX on my XXXX account. I never authorized this person nor do I know this person. I called the bank and told them about the information I received in the above mentioned email. The person I spoke to said he did see the information. A couple hours later I received a text that my account was overdrawn. Someone, by the name XXXX XXXX XXXX was able to withdraw {$550.00} from my account using XXXX.
Consumer complaint received 2024-02-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (SC)

I have messaged or called multiple times per week trying to get to the bottom of my account. I got a letter from a XXXX  complaint I made stating that Mohela had sent my XX/XX/XXXX ineligible count to for approval to be made eligible yet they failed to state to WHOM DID THEY SEND THIS REQUEST SO THAT I CAN FIND OUT MORE INFORMATION AND TALK TO THAT ENTITY. I SHOULD BE AT XXXX FORGIVENESS AS OF XX/XX/XXXX YET THEY ARE DELAYING MY FORGIVENESS. Mohela tells me one thing but the Dept of Education has stated MOHELA is doing the count that gets sent to them. MOHELA tried to blame the dept of education or studentaid.gov. I want to know the clear parameters as I have reached out to the Missouri State attorney general who agreed to help with situation as well the Federal ombudsman but I am missing critical information from MOHELA.
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (VA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2018-11-13
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. (IL)

I was notified by XXXX that my Social Security number was compromised. 
So after checking my credit report, I saw some inquiries that did not belong to me. 
I notified each one of the credit bureaus by certified mail to investigate the inquiries.

each one of the credit bureaus failed to prove that any of the companies who had performed a hard inquiry into my credit had my written authorization.
Consumer complaint received 2018-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I am a XXXX XXXX, XXXX XXXX military member who was XXXX 6 months ago. I received XXXX XXXX as a result. USAA Federal Savings Bank is causing direct and possibly irreparable harm to my credit worthiness through predatory lending practices. USAA closed my credit account after reciving my ( {$3000.00} ) payment with no notice. USAA received regular payments as per normal credit card use and this was a voluntary payment made to them beyond my normal payment. Apparently, while I was in the XXXX XXXX clinic, one payment was a few hours late. I was sent a letter on XX/XX/2018 informing me that they were closing my account. When I called the stated reason I was late on a payment and that I had an account balance change ( I.e I payed it off ). I totally agree that USAA has the right to lend to who they want. The harm comes in that, as they closed the account and lowered my available credit, they have damaged my credit worthiness, even when I pay 50 % of all my outstanding debt in a single month. I have payed them significant sums of money, as agreed. In response, they take your repayment and close your account, but the. Damage my credit, because I paid them more than the agreement. It sickens me that they will destroy the credit of a XXXX XXXX   veteran who is going through a XXXX XXXX XXXX to be XXXX XXXX, because I paid them back. They closed my account ( damaged credit worthiness ) because they couldnt drag any more interest off a XXXX XXXX.