davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

As of XX/XX/22 I have been on the phone with Experian since XXXX XXXX. I have never experience such lack luster customer service in my entire life like the customer service center of Experian located in XXXX XXXX. ( Sighs ) I have an account currently reflecting on my credit report for XXXX XXXX acct # XXXX. This account has already been removed by XXXX and XXXX. However, Experian continues to violate my rights and reports account. I even took the time out of my hectic schedule to upload the identity theft affidavit. On XX/XX/22 I was relieved when I received countless notifications that the account had been deleted. However, when I logged in today the account was still reporting. Several people in the dispute department informed me that their records show the account was removed. So they werent sure why it was still showing. They informed me they would transfer me to the fraud department. I spoke to several persons in the fraud department who informed me the account was deleted. Im drained from this and feel like as a consumer Im being abused Ive even recorded phone calls to show how rude the reps were ESPECIALLY XXXX!!! Ive attached the online results showing the deletion along with my identity affidavit Im asking that Experian for once adheres to the rules and I pray the cfpb launches a investigation into Experian
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Kohls Department Store had reported that my wife and I were delinquent in our monthly payment in XX/XX/2022 which was not correct. We actually over paid them and they owed us and are sending a check to our address. This effected my credit score and was no fault of mine.
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (CO)

I already have a mortgage through NewRez ( XXXXNEWREZ LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX ) and back in XXXX I started shopping around for a refinance. I turned down two lenders in order to refinance through my existing mortgage company, NewRez. I was given a loan estimate on XX/XX/ and I've had my closing dates rescheduled for months and my rate lock extended for months. The process dragged out so long that interest rates went up and I had to stick with the loan application I had with them or risk losing the rate I could only get through them due to the rate lock. Then, when I finally did have a firm closing date and time scheduled ( which is Friday XX/XX/XXXX), I'm being asked by a third party handling the close locally to wire closing costs in before the close but I'm 24 hours from closing and I still have not received a closing disclosure and I do not know what the final terms of the loan are or why my closing costs have jumped from the estimated {$3200.00} to {$5500.00} due. I understand that the pandemic has slowed things down but it's taken almost five months to close and for my conventional loan I'm supposed to have my closing disclosure three days prior to close. This company shouldn't be offering refinances or mortgages.
Consumer complaint received 2017-06-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

On X/XX/17 is when I began short sale application process. On X/XX/17 is I contracted with a listing agent to coordinate short sale. From XXXX am accessive amount of multiple tedious tasks were requested by Wellsfargo where the realtor and myself were responsive and thorough. On X/XX/17, the requirement to have the pre foreclosure sale addendum signed by 6 different parties without acceptance was completed which is the final and most challenging task was submitted in time. Signatures included the realtor, the realtor 's broker, the buyer, title agency, the short sale assistant, and finally myself. I 'm the midst of all of that Wellsfargo mandates the listing price of less than 30 % market value which stimulated a frenzy. The last and final date on X/X/17, Wellsfargo mandate a listing price of {$130000.00} which is {$81000.00} more than the initial listing which cause stress, frenzy, and unnecessary buyer chaos. Ultimately Wellsfargo sold the property at auction.
Consumer complaint received 2017-06-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I have signed up for a service through  XXXX  that basically is pay day in advance service. My bank does not update my current bank account t balance in a timely manner. As of right now, even though the  XXXX  dollars owed to  XXXX  have already been debited, Activehours do n't get timely updates about me getting paid and my current balance ... which is hendering me and my services.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance to the Fair Credit Reporting Act XXXX account XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-05-15
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. (FL)

XXXX XXXX DELAWARE Credit Card with account # *************** opened on XX/XX/XXXX and a balance of {$0.00}. 

On XX/XX/XXXX, via mail, I previously disputed this account notifying the credit reporting agencies " I dont remember ever being late with a payment on this account. '' Please provide statements and records of all payments made and missed since I opened this account. 

I never received proof from the credit reporting agencies or the creditor! Rather, I just received a copy of my credit report and a response to my investigation and request as " verified ''. On XX/XX/XXXX I submitted another request, via mail, for a re-investigation and requested that proof be mail to me of their investigation or delete the negative information. 

To date I have not receive any verification of this account, however the reporting agencies response to my re-investigation yet again was " verified '' at or around XX/XX/XXXX via another credit report being mailed to me. My request for proof was ignored yet again!
Consumer complaint received 2019-07-02
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One Bank USA added my name without my knowledge or consent on my wife 's credit card account as an authorized user. I discovered this transaction after I was denied credit and obtained a copy of my credit report. Capital One reported the following delinquencies to all 3 of the credit reporting agencies : 30 day delinquencies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Capital One also reported a 60 day delinquency on XX/XX/XXXX. On XX/XX/XXXX my wife XXXX XXXX, my XXXX XXXX and myself conference called Capital One. My wife requested Capital One to revoke my signing authority and I requested them to correct my credit reports. Capitol One said the credit history reported on my credit file would stay the same. I then asked them to provide me with a copy of a document that had my signature either acknowledging or authorizing the transaction and they could not produce one. Subsequently I asked Capital One to send me a copy of a letter disclosing to me that I was added as an authorized user on my wife 's account. I was told no letter would have been generated for this transaction. I am self employed and the negative reporting has affected my ability to obtain credit and has put severe limitations for terms on purchases from my suppliers. I am in the process of filing a dispute with XXXX, XXXX and XXXX and have already contacted an attorney regarding this matter. My attorney advised me to file a complaint with CFPB.
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SOUTHSTATE CORPORATION (GA)

I've had a mortgage with south state bank since 2009. I have never been late or missed a payment. I wanted to refinance the loan to get a fixed rate because my initial loan was an adjustable rate 1 % over prime with a floor of 6 %. I have paid 6-6.5 % interest for the entire loan. They were unable to refinance because it is a mobile home older than 10 years and they wouldn't give me a fixed rate on it. I found a different lender that would give me the fixed rate loan but south state bank would not release the title to the mobile home without it being paid off. We had the amount needed to pay the loan off in our savings account and wanted them to put a hold on our money and release the title but they would not do that. I decided to pay the loan off with my money to get the title. Now they are telling me it will be 30-45 days before they will release the title to me. They couldn't explain to me why a car title is released to the consumer in 14 days but my mobile home title will take 30-45. This will cause me to miss my closing date for my new loan and will most likely result in me having a higher interest rate and cost me thousands of dollars!
Consumer complaint received 2021-05-15
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I am looking to update date my credit report the proper way and correct a few errors I have found. First up I do not live at nor have I ever lived at the following addresses : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX ( NO SUCH ADDRESS ), XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX.
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I am looking to update date my credit report the proper way and correct a few errors I have found. First up I do not live at nor have I ever lived at the following addresses : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX ( NO SUCH ADDRESS ), XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX.
Consumer complaint received 2024-03-09
Product: Credit reporting 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. (NJ)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX 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 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 us 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 XXXXThis 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2022-07-10
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. (NC)

In accordance with the Fair Credit Reporting act XXXX 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 instruction
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc. (MI)

XXXX XXXX XXXX. On XX/XX/XXXX I paid a {$90.00} collection bill with them. I recorded the call and was told that the bill would drop off of my credit if I paid it. It didnt drop off of my credit. The status was only updated to paid which still shows up as bad. The company wont answer the phone. I paid the full balance and the entry should be deleted completely from my credit. 
The exact same thing happened with Santander Consumer a few years back. I agreed to pay the debt after the agent explained that it would be removed from my credit completely, not only updated to reflect paid. After years of going back and forth Santander has still not removed the debt in its entirety off of my account. Legal representation had to finally be deemed due to this.
Consumer complaint received 2021-05-15
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. (OH)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX. My SS # XXXX DOB XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX XXXX # XXXX account is reporting on XXXX, XXXX 30 DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2019-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2021-05-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (TX)

Thu, XX/XX/2021 XXXX XXXX EDT, Signing on from from XXXX browser to website XXXX exchange and they froze my account even though i have authorized it was me, i have not been able to get my account unfrozen i sent them a support ticket email for 4 days its now Saturday, XX/XX/2021 and not one have been able to help me plz help my assist have been locked this company used to have XXXX  quick help support team now it's ghosting me and taking my money hostage
Consumer complaint received 2018-08-10
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: DISCOVER BANK (TN)

I have been comparing different private student loan options to help finance the rest of my XXXX ( XXXX ) program. The online advertising shows a fixed-rate APR range starting at 5.99 % for interest only in-school payments and 6.59 % for $ XXXX/mo fixed in-school payment and deferred payment. The website clearly states : " Private student loans are credit based. '' which is completely understandable. I have a 780+ credit score ( verified throughout the years as I have applied for various credit from credit cards to mortgages ). When applying for loans, I always get the lowest rate because I have excellent credit with no blemishes and a long history. 

When I applied today ( XX/XX/2018 ), one of the questions they asked was if I am full time or part time. I am a full time student. Then they asked my income and assets ( non-retirement and retirement ). Although I was confused why they needed this since I am full-time in school and not working, I gave them my income for the year ( my internship over the summer ) and my assets ( more than enough to cover the loan if I had to make withdrawals from my retirement ). Once they had my information and ran my credit, they told me my interest rate would be over 8 % APR for my {$44000.00} student loan! When I asked why, they kept saying that they factor my credit into the decision, but when pressed, the rep finally confessed that they consider current income! I'm a full-time graduate student ... I don't have a job. If I did, I wouldn't need student loans. When I graduate, I will be making more than enough to pay back the loans and may even have a job offer by next week for when I graduate. Job offers for future employment aren't considered though. Only current annual income.

There is no mention ( at least that I could find within hours of researching ) of needing income or proof of income to qualify or get the best interest rate. Clearly Discover is playing bait and switch. They wanted me to have a cosigner and then they would still only go down to as low as 7 % APR if I agreed to add a cosigner ( 1.01 % higher than the lowest advertised rate ). I doubt anyone can " qualify '' for their stated lowest rate of 5.99 %. This is false advertising! I cancelled the application without accepting funding.

I no longer want to do business with Discover and I will be sure to guide other students and professionals away from them for all products they offer.
Consumer complaint received 2022-09-28
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX BANK XXXX Date Opened XX/XX/2015 Balance {$440.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.