davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-30
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: SYNCHRONY FINANCIAL (GA)

On XX/XX/XXXX a fraudulent inquiry was placed on my XXXX report. I contacted the bank Synchrony and XXXX to have it removed. I filed a FTC report and mailed letter twice to XXXX with info they requested. I also have called synchrony 3 times each time they tell me they are or have sent information to XXXX to have it removed. To this date XX/XX/XXXX its still on my report. Pleas help me get this removed. Thanks
Consumer complaint received 2019-05-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (TX)

On XX/XX/XXXX I was offered a 3.625 % interest rate with an APR of 3.704 % on a conventional 20yr fixed with Lender Paid Mortgage insurance. It had no discount points applied to get to that rate. The Loan Officer had at this point gotten my Name, SS #, Address, expected mortgage, Home value, Credit score, and income. All the things you need for a true application. We locked that rate in on that day and I decided to proceed. 
This was a match or beat offer that got me to leave the company that currently was offering 3.99 % interest rate with 1 % discount point, APR was over 4 %. I thought this was a great deal. After the appraisal was completed and the initial underwriter review, it was discovered that I was offered a program that I did not qualify for. I was offered an interest rate on a XXXX XXXX Home Possible, but I make way too much money to qualify for that program. None of my information had changed at this point. 
Due to this fact to get the interest rate I was offered I have to pay .763 % discount points which is {$2600.00}. It took them 15 days to finally admit this mistake. Every time I followed up they would say its okay we're taking care of it, its a clerical error. 
I feel this was a bait and switch tactic to get me to go with this company and get me into the process so I was unable to switch back to another company with a better deal. 
Due to rising interest rates I am now unable to get the better deal a competitor was offering. 
I have also repeatedly received Loan Estimates and today a Closing Disclosure with missing an/or inaccurate information. I have repeatedly provided them with the correct escrow information for taxes, insurance, and information on the Title company I would like to use. They have repeated sent back inaccurate disclosures stating their system won't update it properly. 
This has also adversely impacted my ability to accurately determine what my closing costs should be and if I can afford to close. 
At this point they continually have been dragging their feet on getting required documents to close and I feel they may be trying to wait until the rate lock expires to get me to back out of the deal. The rate lock expires on XX/XX/XXXX.
Consumer complaint received 2023-06-13
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. (TN)

My name is 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 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2019-10-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (VA)

For the last 21 months, we have paid our monthly payments for our Santander auto loan. However, Santander continues to report the debt as charged-off. The vehicle is now, and always has been, in our possession. Santander is falsely reporting the debt as charged-off to the credit bureaus, while accepting payments from us and listing the account as Active on their website. We need Santander to correctly report our credit to the bureaus, as required by law.
Consumer complaint received 2019-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

USAA has not refunded moneys belonging to me. They took a whole XXXX, dollars from me and now will not release XXXX dollars of the next VA check to me. The USAA bank told me to tell the Veterans Affairs to do a recall recall is done still no money. I tried to speak to USAA. They have lied several times. It is now theXX/XX/XXXX, no money has been given to me. They are holding my money hostage. I am homeless due to this bank, my furniture and belongings where lost. 
I had to leave important life long things. I am ill.
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

I requested a credit freeze on my account on XXXX XXXX on XX/XX/XXXX I logged into my account online to temporarily lift the freeze for a few days to conduct business. I successfully logged into my account and filled out the request form completely, including the pin number issued at the time the freeze was initiated. The system replied that the information on the form was incorrect. I tried requesting a new temporary pin be issued. The system again said my information was incorrect. I tried calling the listed number for customer service only to receive Robo replies with option to address my issue and then the phone disconnect from my call. I had to research to find a phone number for an actual person. After finally making contact with a actual person, they confirmed I was entering all of my information correctly but their online system refused to identify me. We also discovered the pin number on their end did not match the pin number they issued to me for the freeze. I needed my credit account be accessed the next day, so my need was urgent. They were no able to determine why the online access was not granted to me. But they offered me solutions regarding mailing me another pin number but did not explain why the system would not recognize me. In order to expedite the mailing of the pin number to me they charge me a {$20.00} fee due to their errors. I requested they waive the fee because they system problem was on their end. They refused From my perspective and reasonable logic the fee should have been waive and the failure to do so amounts to extortion. 

I do understand the extreme measures they need to take in ensure privacy of all the data they collect on a individual and appreciate them doing so. However, when the problem is on their end, they should be charging the consumer to fix it.
Consumer complaint received 2019-05-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CreditNinja Lending, LLC (SC)

In XX/XX/XXXX, I foolishly took out a loan with CreditNinja. This is a payday loan yet CreditNinja did not align my paydays. I requested that they line by payment dates up with my paydays as they were supposed to do when the loan was issued. I was told I had to make one payment and then that action would be done. I made the one payment and then received an email telling me to sign new documents to set my payment dates up to be in accordance with my paydays. I did that yesterday. The documents clearly showed that I made the one payment already and my SECOND payment will be due XX/XX/XXXX. As soon as I submitted the documents, CreditNinja began harrassing me for a missed payment. I have explained repeatedly that I signed the new documents and do not have a payment due until XX/XX/XXXX. I want my account marked CURRENT/UP TO DATE/IN COMPLIANCE/IN GOOD STANDING with my next payment due XX/XX/XXXX. I can no longer access any of my documents via the CreditNinja account system online.
Consumer complaint received 2019-05-08
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. (AL)

I XXXX XXXX am FED UP! These fraudulent accounts do not belong to me, yet they continue to report. I am filing a civil suit against equifax as of XX/XX/XXXX. I opted out over 3 months ago so Im no longer subject myself to Equifax arbitration bylaws .Equifax removed accounts and readded them back on my credit report and due to the FCRA XXXX I am supposed to be notified in writing before this takes place. I WAS NOT!!!!!! I, as a consumer have the right to know how these accounts were verified, because they do not belong to me but yet they are still reporting! I am sure that Equifax did not go to the original furnisher to verify these accounts are mine and they have to do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. Failure to notify me that Equifax reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As Equifax has violated the FCRA., and refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section 623.Equifax failure to remove these negative inquiries and accounts have caused me mental anguish and has hurt me financially. My case will be handled by XXXX XXXX XXXX XXXX XXXX CONSUMERPROTECTION LAWYERS ) XXXX XXXX XXXX XXXX  Al XXXX We are bring our legal claims against Equifax as of today. 

XXXX XXXX XXXX  Car XXXX XX/XX/XXXX {$120.00} XXXX {$95.00} ( INQUIRIES ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX bank  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Dealer XXXX XX/XX/XXXX These certain induvials in the fraud department are responsible and the will be personally named in our lawsuit as of today XXXX XXXX of Equifax senior vice president enterprise fraud ID theft XXXX XXXX of Equifax XXXX XXXX XXXX XXXX XXXX of Equifax Fraud and identity product manager
Consumer complaint received 2019-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Two fraudulent charges appeared on our credit card statement. One was a cash withdrawal from an ATM for {$210.00} and one was a dinner charge for {$77.00}. Both were made the same day, within an hour of each other, in XXXX, New York. The company is Capital One. The dinner charge was made with a chip enabled card and Capital One claims this proves I am wrong ( and therefore lying ). We had the card in our possession the entire time and did not mae the withdrawal nor the charge. 

The withdrawal was credited back to our account, but not the dinner charge, because Capital One claims the card used was chip enabled. This seems wrong to me, since we did not make the charge. 

Assuming Capital One is telling the truth, there is a security problem with their chip card enabled technology. I have cancelled our cards with Capital One, since I feel they can not be trusted.
Consumer complaint received 2022-03-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have noticed many inaccurate accounts appeared in my report. And I have already files the proper documentation for these accounts and have sent it to the bureaus but they did not correct them. Kindy see attached documents for these account I am complaining.
Consumer complaint received 2019-10-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: CARD Corporation (MO)

Approximately XXXX of this year ( 2019 ) I submitted a claim concerning unexplained withdrawals, in which case I was granted a refund. It was supposed to be put on a new " XXXX XXXX '' card. They placed the money on the previous card, in which I lost or misplaced ( {$430.00} ). I requested a new card and was instructed to fax my drivers license along with proof of address. ( They sent the letter to my current address stating my refund. I have yet to receive it.
Consumer complaint received 2019-05-08
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: Conn's, Inc. (CA)

Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary
Consumer complaint received 2019-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (MN)

I received a promotional offer from US Bank Flex Perks Visa indicating that I could use the check enclosed and while I would be charged a 3 % of amount initial charge there would be 0 % interest charged on the amount of the check if paid off before 18 months had elasped. 

I also used the card to purchase other items. It turns out that they will not allow me to pay for the other additional items, but all payments go to the promotional amount until it is paid off. In the mean time they charge me 21 % interest on the purchased items. 

This is classical bait and switch if I have ever seen one. They should be required to live up to the promised advertizement and make seperate payments for the promotional amount and purchased items. 

As it stands, until the initial promotional loan is paid, I will be charged interest on the purchases and in my phone call with them they admitted that there isn't any way for me to pay for purchases each month seperately. 

This is false and misleading and needs to be corrected.
Consumer complaint received 2019-05-08
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. ()

Hello and I went to my bank to try and get a loan to go back to school. My banker told me that they could not give me the loan at the time because of my credit. I pulled my credit and there are some stuff on there that is not mine. Please remove them from my credit report so I can go back to school and make a better life for my family. I've contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2018-09-19
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. (PA)

On XX/XX/XXXX my XXXX account was hacked and someone fraudulently ordered roughly {$8600.00} in tickets. They charged {$4900.00} to my XXXX Card and charged another {$3600.00} to a " XXXX XXXX '' account that was opened up without my knowledge. On XX/XX/XXXX I was able to have XXXX refund the money and close the credit account that was opened fraudulently. I just got a letter in the mail yesterday about XXXX running a credit check when opening the account and saw that my credit score was lower than it was previously. I then went and checked my credit score on my XXXX card ( it's one of their free features that I can see monthly ) and my score dropped about 23 points. The reason of it dropping was the account that was opened without my knowledge I'm sure. I don't miss payments and worked towards getting my score as high as possible. I was previously at 780+. I would like to have this charge removed from my credit history as it was fraudulent. If you need any more information please let me know.
Consumer complaint received 2023-04-08
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$2200.00} Consider this request as a follow-up to make sure the listed accounts are fixed
Consumer complaint received 2019-10-08
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. (GA)

Hello, I have a new credit card with XXXX XXXX  for XXXX and it was only added to XXXX. I spoke to Equifax and XXXX  and they stated the Merchant has to add it. However, XXXX did report to all three bureaus that they updated this information on there part. 
I really need this information to show up because it will help with my utilization that was the purpose of the card. Can you please assist me in this manner with the situation.
Consumer complaint received 2019-05-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (FL)

What happened? 
MORTGAGE FRAUD, CONSUMER FRAUD, INTENTIONALLY MISLEADING FEDERAL INVESTIGATORS ... .. XXXX XXXX AND FREEDOM MORTGAGE intentionally misled the CFPB and the consumer. We have attached a signed statement from XXXX through their attorney, and he confirms they brokered a fraudulent loan. The Attorney has also confirmed the Senior Citizen victim was mislead over {$36000.00} over the course of this loan when you multiply the loan disclosure fraud by the number of payments being made. Freedom Mortgage used this bogus claim in their last several fraudulent responses ... " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. '' and the conspiracy to defraud and mislead continues. No one is denying loan fraud, escrow, fraud or theft ... now they just claim to be immune to prosecution, claiming a bogus statute of limitations. " Obama signs law cracking down on mortgage fraud ... Department had received 62,000 reports of mortgage fraud last year ... In the past, the statute of limitations on all kinds of fraud cases was five years. However, President Obama has established a new law in 2009, which increased the statute of limitations to 10 years. Additionally, Florida can toll the statute if the defendant is out of state. '' ALL DEFENDANTS ARE OUT OF STATE ...
Consumer complaint received 2019-05-08
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. (FL)

On XX/XX/2019 I submitted a dispute about incorrect information on my Equifax Credit Report ( Case # XXXX XXXX. In fact, this was the third time I submitted a dispute, after the first two filed disputes for the same item resulted in their removal. On XX/XX/2019, I received notice from Equifax that the disputed item has been investigated, shown not to be owed and removed from my credit report ( Confirmation # XXXX ). 

Now I have recently received notice that the disputed item, has been placed back on my credit report, for a fourth time. I called Equifax and spoke to XXXX # XXXX, who stated that I would now have to file another dispute to get it removed from my Credit Report for the fourth time. 
Even more concerning ( besides her not my problem attitude ) is that she states that each time a collection company reports the same disputed item, regardless of the fact that they know it is fraudulent, that I would have to file another dispute. Considering there are hundreds of collection agencies, it could result in hundreds of disputes being filed for the same fraudulent item. 
I am requesting that the item be removed for the fourth time and that the Consumer Affairs Division investigate Equifax for what appears to be an on going practice to extort money from people, who don't owe the money. This is exactly what the Consumer Affairs Bureau was designed to guard against. Please take action.