davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-11
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. (OH)

Sent Inquiry removal letter to Experian after trying to contact creditors to no avail. as Experian told me I had to do. They all came back stating they needed more information like account numbers which I did n't have because I do not have an account with these people. Experians customer service would not help and take care of the negative inquiries reporting on my credit report which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recall authorizing these
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

The Credit bereaus never did a proper " investigation " according to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this Also, they have violated my rights even more. 

In accordance with the fair credit reporting, everything has to be 100 % accurate on my credit report. 

The Credit bereaus stated my account was properly investigation but how is that possible if the open is inaccurate, the date last active is inaccurate and the last reported is inaccurate. This is ground for removal. 

They also violated the law because according to 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. 


I did not give anyone written instructions
Consumer complaint received 2017-08-11
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: EQUIFAX, INC. (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30 days in the month of XX/XX/XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Consumer complaint received 2024-05-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount GR Holdings, LLC (TX)

Valor Solar installed solar panels but I am still paying to the electric company a huge bill every month.What is the use of Solar panels if I have to pay XXXX XXXX  and Electric Company XXXX XXXX keeps responding that it will reply to complain but it never happened 2- XXXX  XXXX assured us that solar panels would be enough for single-family homes and we don't have to pay the electric company. 

XXXX Goodleap lender by XXXX XXXX XXXX for {$65000.00} We were told the loan was for {$40000.00} and it would be taken care of by a different option and we would not charged XXXX XXXX XXXX is responsible for the worst service & false promises. 
Its since XX/XX/2023 XXXX XXXX approached installation in XX/XX/2023 and billing started in XX/XX/2023 XXXX paid XX/XX/2023 bill to Solar company than I was receiving bills from XXXX electric company for {$500.00} to {$1000.00} its not fair I stopped paying to solar company and request to see whats problem but till today no response. I was reported to credit company my score dropped from high to low and unable me get any credit card or loan I am retired old person its hard for me. 
I request to REMOVE solar panels immediately, I can not pay {$65000.00} for worst service. 
I never thought of this fraud
Consumer complaint received 2022-04-06
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. (AR)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-07-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

The debt collector hasn't provided proof that the alleged debt belongs to me. This company hasn't sent me anything to give me the right to dispute this alleged account. debt was sold from the original creditor after proving that this alleged debt isnt mine due to the companys insufficient proof and a copy of a printout bill isnt proof. This is affecting my ability to get a new home. I don't know why I'm being treated like this.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX is reporting the incorrect balance to the three ( 3 ) major credit bureaus ( XXXX, XXXX and TransUnion ) and the account is paid in full.
Consumer complaint received 2017-08-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (MD)

PenFed denied my recent [ XX/XX/XXXX ] home equity loan application without providing a reason. I 've continually asked PenFed to review and provide documents from the first equity loan application that was approved in XX/XX/XXXX, so that I can compare its data with the recent equity loan application that was rejected. Currently, I have " XXXX '' balances on all credit accounts that I have with PenFed.
Consumer complaint received 2020-10-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (KY)

In XXXX of 2016 I notified XXXX XXXX that I would be moving. The Manager at the time said I needed to give 60 days notice vs 30 days. I would have to pay rent for the last 30 days ( XXXX  ). I went to move the last of my personal belonging out of the apartment on XX/XX/XXXX, the locks had already been changed. I went to the Office to pay XXXX 's rent, but the Manager told me that even if I pay XXXX 's rent she was not letting me into the apartment, because I had given a 30 day notice. I argued that I was still paying XXXX 's rent so, I should be allowed access to the apartment until the end of the month. She said no. I didn't not pay XXXX 's rent and was not allowed to recover my personal belonging that were still in the apartment. XXXX XXXX also kept my deposit of {$720.00} dollars. ( not positive this was the amount of de4posit,  but I do know it was the same as the rent ) I've disputed this through the XXXX  and the reply was " Completed investigation of FCRA dispute-consumer disagreed ''
Consumer complaint received 2022-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (GA)

ive been a victim of identity theft with a credit card from sychrony bank being collected on by XXXX XXXX XXXX i never used nor gave permission to use this account in my name and ive spoken with several company reps to have this matter resolved as of XX/XX/2022 it is still inaccurately on my credit report
Consumer complaint received 2017-08-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc. (AZ)

I had a complain w/ this company secure billing service the treating me that they gon na sue me and bring me to court and this person name XXXX XXXX and his tel. No XXXX he told me that i have already my name in court and they are so disrespectful and the way he talk. It 's so unprofessional and I 'm complaining this company so that they will say this kind of works to the costumer.
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

The following companies checked my credit on those dates and I do not recognize them or can acknowledge. 

On XX/XX/2018 XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX XXXX XXXX XXXX   On XX/XX/2018 XXXX XXXX XXXX  On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX On XX/XX/2018 XXXX XXXXXXXX XXXX On XX/XX/2018 XXXX XXXXXXXX On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXXXXXX XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX   On XX/XX/2018 XXXX On XX/XX/2018 XXXX
Consumer complaint received 2018-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One put a block on my Capital One 360 card due to fraudulent activity. They told me they would send a new card within 3-5 business days. However, they originally sent me a card with the exact same card number so they had to send me out another card which I still haven't received and now I am going on the 6th business day with no access to my checking account. Capital One originally offered to expedite a new card to me for a {$25.00} fee. That is my complaint. This is an unfair practice. They should not charge me a fee in order to access my account.  They should be willing to get my card to me as fast as possible in order to access the funds in my account after fraudulent activity has occurred in it.
Consumer complaint received 2018-09-20
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)

I wrote the credit bureaus asking them to remove some late payment history from my credit report as the history reflecting on my credit report is causing a negative impact on my scores. The accounts in question is XXXX XXXX with A/C # s XXXX, XXXX and XXXXXXXX XXXX  with A/C # XXXX.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (MD)

I have filed several complaints against Kia Motors Finance for the same issue. They admit that payments are falsely reported as late and then they correct it when I file a complaint only to go back and add the same information back to my credit report at a later date. This was just corrected on XX/XX/XXXX and then on XX/XX/XXXX they add the negative information back to my credit report again.
Consumer complaint received 2022-04-06
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: LEXISNEXIS (NC)

XX/XX/XXXX XXXX XXXX Consumer Relations XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX Re : XXXX XXXX, Background Report, Incorrect Eviction listing. 

To whom it may concern ; It has come to my attention, by review of the background report, furnished by Your organization, that you have a listing on file, dated : XX/XX/XXXX, XXXX XXXX : XXXX, for : XXXX. 
Under the name of : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX I am disputing this incorrect information. There has never been an XXXX  suite brought against me. 
There are also addresses listed in your system which do not belong to me : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX This is a case of Identity Theft and Fraud! 
The entry is being disputed and should be effectively removed from your systems immediately! 
I have supplied my Identity Theft Affidavit along with current Identification and Social Security card to verify my true identity.

Once this information has been corrected, please send an updated report with an apology for misrepresented information which improperly showed me as having an eviction which is incorrect. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-07-27
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$25000.00}
Consumer complaint received 2017-08-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (PA)

I received a call at approximately XXXX XXXX on XX/XX/2017 from XXXX, company is XXXX XXXX. The person left a voicemail message stated that they needed a statement from me or my legal counsel which was an intimidation message. I called back at approximetly XXXX XXXX and was told that I have a credit card with Old Navy, told me that I owed the balance plus judgement fees. I have never been sued for this card, so I do NOT owe judgment fees. The debt is a time barred debt, over 4 years since last payment in the state of Pennsylvania. so they can not even sue me but the debt collector continued to threaten legal action. I told her that she is in violation of FDCPA laws by continuing with this empty threat. She informed me again of my balance with judgement fees ( with no judgment received????? ) and that she did not know about my state 's laws. I called the following day to ask for something in writing about this debt which I never received ( I have not moved in 10 years ) - I still have not gotten anything. I also asked for their physical address to send a cease and desist and was hung up on 2 times.
Consumer complaint received 2018-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2018 there were two unauthorized transactions placed on my debit card followed by five large ATM withdrawals ranging from $ XXXX- {$1000.00} leaving my account in the negatives ( with the inability to withdrawal anymore ).  Once I checked my online banking, I noticed my card was missing and I immediately called Bank of America and filed in a claim as well as a police report. The bank eventually closed my account and denied my claim stating I said I wrote my pin number down when it was clearly stated in my police report and verbally stated over the phone that I did not write down nor give my pin to anyone. The bank reconsidered my claim and once again was denied based on reasons they would not disclose to me. I asked for my claim to be reconsidered for the third time, begging to speak to any investigator who was working with the claim and again it was denied as a final decision. Bank of America claimed that someone called in asking for an increase in the amount that can be withdrawn. I never approved of this nor was I aware of this until after the matter. I have asked multiple times for the ATM cameras to be pulled as well as the voice recordings per telephone calls.
Consumer complaint received 2023-01-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (NV)

My name is XXXX XXXX and I was a mortgage lender for Sun West Mortgage. I recently have decided to leave that company for being predigest most of my clients. Recently I have had plenty of clients submit a loan application through Sun West. I have been originating for over 3 years at several companies. At this point I have never had so many issues to be able to provide a pre-approval for my clients. I have attached a loan application on 1 of my clients along with all the conditions and the XXXX findings giving us an approval. They refuse to provide a pre-approval letter to my clients. I have had situations where I have had to request 24 months of paychecks from my clients. My clients have provided that, and they will still not provide a pre-approval letter. This is ongoing w/Sun West . I am currently no longer with them. I have another file currently with them, XXXX XXXX has sent in all the conditions as well and they had not sent the file into the VA for review. They have discriminated against all my clients, even the Veterans I serve. Sun West has help back a lot of preapprovals from my clients after running their credit and submitting all the needed documents and they refuse to pre-approval any of my clients. They have violated so may laws in the mortgage industry. They discriminate and should not be servicing loans. They only provide preapproval letters to those they THINK is worthy. Regarding wither the client is truly approved or not. They set up files so that files for clients do not get qualified. XXXX is a VA file and they sent it to the VA with a 50.5 % DTI knowing it will not work. They refuse to let the client know why and how to help them qualify.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (DE)

I have been trying to talk to the XXXX over and over again about the inquiry. 
And time and time again they have been Replying with I quote theirs nothing we can do for you. I just would very much like this situation too be handled by a higher up. 
Because obviously Im not get nowhere Near resolving the matter. So I do appreciate it If my all inquiries will be removed do to non Authorized and security breach. There are 19 inquiries that needs to be removed. 
Like yesterday. I really do appreciate all Your help and looking forward on hearing back from you thank you and have a blessed day!!
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion has deleted one of my good standing paid off auto accounts. Inspite of all the letters that I have sent to TransUnion over the last couple of month. I have been ignored by Transunion. Please review the attached document that shows that this account is in good standing and have been paid in full. The decision of Transunion to deleted it it detrimental to my consumer report and my ability to obtain credit.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have filed disputes with all 3 Credit reporting agencies XXXX, XXXX and Experian in regards to a public record bankruptcy ref XXXX. All 3 bureaus keep stating that the bankruptcy was verified and is reporting accurately. I have compared all 3 credit reports and all 3 bureaus are reporting different " filed '' dates. XXXX shows a file date of XXXX/XXXX/2010, XXXX shows a file date of XXXX/XXXX/2010, and Experian shows a file date of XXXX/XXXX/10. How can they say that they verified the bankruptcy as accurate but yet all of them are reflecting different file dates. Per the FCRA all information contained on a consumer 's credit report must be true and accurate and all 3 agencies have violated my rights under the FCRA by stating that they verified this bankruptcy as accurate when in fact it is not.
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

In early XX/XX/XXXX, someone compromised my debit card. Capital One immidately cancelled my card, and started the process to refund the fraudulent charges. 

It took two weeks before the card was listed as being made, which first happened on XX/XX/XXXX it was listed as arriving on the XXXX. On XX/XX/XXXX, the card was then listed as being made on XX/XX/XXXX, with an expected arrival on the XXXX. When we called them on the XXXX after seeing this update, staff said it had been mailed out on XX/XX/XXXX and " weren't sure why their system said it hadn't been printed yet '' At this point, Capital One informed me that the fraud claim had been messed up and entered twice. This would lead to an overdraft fee being placed onto my account. 

On the XXXX, still no card had arrived, despite Capital One 's insistance that it had been mailed. They offered to resend it priority ( for an additional fee ), or that I could just wait. I chose to switch banks. For the record, it is now XX/XX/XXXX, and the card never arrived, implying it was never made nor shipped.
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I've contacted XXXX directly as well as the credit bureau, my account is filed as closed through XXXX yet is reporting open on Experian. Also, I have proof of payments yet it's reporting that my payments were late which is completely false bc when I login to XXXX  it shows those months as paid. 

I've called XXXX and disputed it with the credit bureaus and I've been told for months that it'll be updated and it hasn't been. 

This is impacting my credit score very badly.