davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CO)

I received a letter from Equifax stating that they changed my current address in their records to an address where I lived at several years ago. They provided no explanation for why my address was changed. 

I called the number in the letter, which turned out to be the credit freeze office, and they were unable to do anything about the error. They directed me to send photo copies of personal records or they would not fix their error. I asked for a phone number or other way to complain to Equifax about their system twice now requiring me to spend time and expense to fix their mistakes, and I was told there is no phone number or address for me to send my complaint. 

It's bad enough that I now have to pay to freeze and unfreeze my credit when I want to use it because of Equifax 's negligence, but it adds insult to injury when Equifax continues to misuse data in a way that negatively impacts me when I have no choice whether they have access to my information.
Consumer complaint received 2022-07-22
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. (SC)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX Balance {$7200.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00}
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (SC)

On XX/XX/2018 I had 2 fraudulent charges at a XXXX in Colorado one in the amount of {$1000.00} and another for {$760.00} and I am in South Carolina have not visited the stated. The card is damaged and can not be swiped and I have the card in my possession so it had to have been hacked I called Netspend the day it happened the on the first call was advised that it could take anywhere from 10-45 business days for me to receive a response and may not get my money back. I asked to s/w a manager and was placed on hold for over 20 minutes so I hung up called back and was trying to tell the lady who went by " XXXX '' that my card had been fraudulently used and advised her of the previous call and I just wanted a manager. She proceeds to tell me that my other card was working and I could use that one. I tried to explain to her several times that's not why I was calling and wanted to s/w someone else she refused. Then said that she was going to transfer me to her colleague the phone went dead. I tried to call back got a recording that I was calling after hours and to call back during regular business hours. In the mean time my card had attempted to be used again for {$5.00} purchase that was denied by Netspend. 
I call today XX/XX/2018 I didn't get the lady 's name but she assisted me and asked questions about the card again I tell her I have the card in my possession it is not lost and it can not be swiped because the strip on the back of the card is worn off and I kept it active because of the bills I had set up on autopay on that card. I had to get a new one because of that reason ending in XXXX. She said that she could see I hadn't been using the card ending in XXXX. gave the info to where I could send the request to ask for a temporary refund until the investigation was completed and she deactivated the card. They have advised the letter has been recv 'd when I called back to give the police report number ( XXXX XXXX # XXXX case # XXXX ) the lady who answered told me just to email it to them instead of taking it over the phone. I have {$21.00} to my name after this has transpired and my rent and daughter 's school tuition have to be paid and they know and could careless I asked for a number to the USA she declined to give it once I found out there customer service is located in the XXXX
Consumer complaint received 2022-07-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I called on XX/XX/XXXX to fix a reinserted account into my equifax credit report. On XX/XX/XXXX they deleted this very account. On XX/XX/XXXX its back on and I called to dispute. As soon as I called to dispute my report goes down XXXX points. They do this everytime Im near a XXXX credit score. The only changes to my report were a lowered credit usage and remarks were taken off of accounts. I complained literally last week that they took off points for adding remarks. So now for remarks theyre taking off points for adding and removing. Its seems to be done when ever Im close to XXXX. This is criminal. The collections account of XXXX XXXXXXXX XXXX  was reinserted a week after taking it off. The FTC report was provided. The thing about this is that equifax will take off points for no reason and then add points for removing the collection. They wont give back any of the points they incorrectly removed. So it leaves me within the same range that Ive been in for the last few months.
Consumer complaint received 2018-04-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CO)

The statement that I received for making my payments has a different names on it. It was XXXX and now its Lakeview. It's my understanding that I should have received a notification from XXXX that the servicer was changing. 

When I inquired I was told that the original documentation that I received over two years ago had this information on it. That's not acceptable. New notification should have been sent as I understand the regulations.
Consumer complaint received 2020-07-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA (NH)

The vehicle in question, a XXXX XXXX XXXX, was turned into XXXX XXXX ( XXXX, NH ) on XXXX XX/XX/XXXX. We replaced this vehicle with a XXXX XXXX XXXX, leased from XXXX XXXX. It was our understanding that our responsibility for the XXXX XXXX XXXX ended on that date, and we canceled the insurance, and of course made no more payments. In looking at our credit report we see Hyundai claiming we made the XXXX and XX/XX/XXXX payments WE DID NOT. Suddenly in XXXX, XXXX  reports we are 30 days past due, not only that, but that we owe {$760.00}! We NEVER received written correspondence from Hyundai Finance, and they certainly had our correct address because we are paying a NEW lease with them for the XXXX XXXX XXXX, The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time up through XXXX, when the XXXX XXXX XXXX was returned to XXXX XXXX. I have contacted Hyundai Financing and they said a supervisor would contact me ... never happened. My credit score has dropped from XXXX to XXXX!!!!!!
Consumer complaint received 2018-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

On or about XX/XX/2016, shortly after XXXX XXXX XXXX merged with XXXX, I was provided the opportunity by XXXX XXXX XXXX to combine the billing of our XXXX Account with our XXXX XXXX XXXX XXXX Internet and XXXX Account at a reduced cost for our XXXX service. Since our XXXX XXXX XXXX XXXX account was in my name and our XXXX account was in my wife 's name, the XXXX XXXX XXXX representative said she would need to change our XXXX account from my wife 's name to my name in order to combine the billing of the XXXX account with the XXXX account. Instead of using my new XXXX account to combine the billing, the XXXX XXXX XXXX representative mistakenly used my wife 's account to combine the billing. This caused the XXXX payments to continue to go to my wife 's account and the new account, which was set up in my name received no payments. As a result, the account set up in my name became delinquent and XXXX sent my account to a collections agency. The attached documents show the efforts I have made to try to correct this problem with no success.
Consumer complaint received 2022-06-15
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. (DE)

I have been requesting the credit bureaus XXXX, Experian and XXXX to remove outdated accounts from my report now for over 12 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of Delaware. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as request but a few are still reporting with no response as to why these have not been address since they are clearly outdated. At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.
Consumer complaint received 2024-03-05
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. (CA)

To Whom It May Concern, On XX/XX/ I mailed to you a letter of an FTC report in addition to disputing information contained in federal trade consumer reports compiled, maintained, and published by you allegedly concerning regarding the following accounts listed in the FTC report below. Per records, you received my dispute letter on XXXX 
Accordingly, as per the FCRA you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the 30-to-60-day period of the date on which you received my dispute letter. You received my dispute letter on XXXX Therefore, your response was due on or by XXXX Instead of sending me a response letter with proof of said verified account XXXX XXXX XXXX to the result of your investigation of the disputed information, your interim response claimed a verbiage of accounts reported under the FTC report that some accounts were not reported, and one account which was verified as accurate.

Clearly, you have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because of said alleged account marked as verified under my name without my consent of knowledge. Your excuse or assumption is a not a valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly disputed the completeness and or accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 
As a result of your conduct as described above, you shall promptly delete the disputed information based off the laws previously stated and enforced in addition to more FCRA laws that are currently being broken by your company 's corporation. 
Additionally, as per the FCRA, you are liable to me for damages for your conduct. 
Thus, in addition to your deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX XXXX  Be advised, this IS NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days, ( 1 ) there must be a deletion of the disputed information requested, ( 2 ) send an updated copy of my consumer file, and ( 3 ) send me the {$1000.00} check to my mailing address listed above.
Consumer complaint received 2022-06-15
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. (DE)

I have been requesting the credit bureaus XXXX, XXXX and Transunion to remove outdated accounts from my report now for over 12 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of Delaware. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as request but a few are still reporting with no response as to why these have not been address since they are clearly outdated. At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.
Consumer complaint received 2020-11-06
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. (TX)

I was a victim of identity theft and I submitted my police report to the three major credit bureaus. Using my police report as proof I tried disputing accounts and inquiries with XX/XX/XXXX, XX/XX/XXXX and Transunion multiple times. Every dispute I intiated never went in my favor even with my police report. Their are car loans, bank loans, and closed credit cards reporting on my credit that were fraudulently opened and the credit bureaus won't do anything to get them off. 


XXXX XXXX XXXX ( {$16000.00} ) XXXX XXXX XXXX ( {$12000.00} ) XXXX XXXX ( {$3500.00} ) XX/XX/XXXX XXXX XXXX ( {$760.00} ) All those accounts are fraudulently opened and I've disputed them but the credit bureaus won't delete them
Consumer complaint received 2022-06-15
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX, Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-15
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)

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NJ)

Last week ( week ending XX/XX/18 ) I applied with CitiBank for a " Double Cash '' card. I got told the response would come in the mail. 3 days later I received TWO letters of decline with two different case numbers on them. I then called the number on the form to inquire, as I have a good credit rating and was told I was approved, not declined. I asked them to remove one of the requests to decrease the credit pulls, they said no. 

Then I was asked if I was satisfied with the credit limit ( it was VERY low, starter card low ) and I said I was not. They said to call when the card arrived. 

I called when the card arrived and was told to call back this morning. I called back this morning and was informed that my account was closed at my request. I told them this was not the case and they told me I had to reapply. 

This card is DESTROYING my credit without my request or permission. There has to be something I can do, please help. 

My calls were all made on a recorded line, I have these recordings if it helps.
Consumer complaint received 2020-11-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}, {$500.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$500.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Consumer complaint received 2018-04-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (AL)

I am writing to you about a title loan I got in XX/XX/2013. I received the loan in the amount of {$6000.00} ( XXXX XXXX ). I needed this loan for a personal matter. I have never had a title loan before and when I went in she explained to me that she would take a picture of my car and give me the loan I need .I informed her that I didn't know how soon I could pay this loan back. She said no problem, you can make monthly payments of around {$360.00} or I could make smaller payments and stretch it over a long period of time. But was not explained the true cost of the loan if I renewed it multiple times. I was mislead by the terms and cost of the loan .Never was it told to me that this loan was and should be a 30 day loan.The amount of the loan also exceeded the amount my car was worth. Even if I would have tried to sell my car to pay off the loan, I still could not have paid the loan off. Each month she would renew the loan without discussing the fees or the total cost of repeatedly renewing the loan. I have paid on this loan for 5 years. I lost my job this XX/XX/XXXX and went to them about how I was going to make the payments. All that was said was I could voluntarily turn my car in or they would repo it. Of course I need a car to get a job. My brother stepped in to help me keep my car. After 5 years of paying around {$360.00} a month, I still owed {$4800.00}. Total of a {$6000.00} loan has cost me {$26000.00}. We found out that when my brother paid the note off, I was being charged an interest rate of 97.21 %, Never has that ever been discussed during the loan. I would have never paid the loan off and my car is not worth selling. I was offered {$500.00} for it. Yet, they made a loan for {$6000.00} and used it as collateral.I am filing this complaint because I feel like I was mislead about the terms and cost of the loan.
Consumer complaint received 2022-06-15
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I obtained a second mortgage from XXXX XXXX  in XXXX and in XXXX the mortgage was charged off. I stopped making monthly payment since the account was charged off. 
I continued making payment on the first mortgage which I modified and current with my payment. But lately, XXXX, XXXX XXXX  who had not contacted me since XXXX when the mortgaged was charged off contacted me and demanded payment. 
I returned the call and the rep told me on the phone that it is a charged off account. 
i had a XXXX which Iam still under treatment and recovery program. 
My complaint is, since, the account was charged off by the bank in the year XXXX which is eight years ago, I am no longer in-debited for repayment. 
I want to know my rights and what can be done to resolve this matter. 
As of now, my income is limited. I will appreciate a favorable referral and resolution.
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

My husband and I have been trying to get a mortgage since XX/XX/2020. We havent disputed anything on our credit reports since XX/XX/2020. All of the credit bureaus keep opening up disputes on our reports. We call 2-3 times weekly and they close them only for them to reappear. XXXX was deleted from my credit report XX/XX/2020 and they opened a disputed on them XX/XX/XXXX and then added it back onto my credit report. We cant get a mortgage with open disputes and want them to stop disputing items and adding dispute remakes when we arent disputing things! We also need for them to correct the XXXX error.