davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: DISCOVER BANK (AL)

I started an application process on XXXX for a secured discover card, during the process i notified them i had to stop the application due to a family emergency i was notified of during the process and the agent assured me it would not proceed. I informed them that the funds needed to open the account also would not be available as i would need it to take the emergency trip to Montana. I later learned that they did not stop the application and tried to take the funds from my bank over drafting me on XXXX. On the statement they sent shows the account was open on XXXX XXXX without any secured funds or my permission to proceed and closed on XXXX, i have the statement they have sent me but on my credit report it shows opened on XXXX and closed on XXXX, all of this also resulting in dropping my score over XXXX points. They also sent e a statement as if I had an account and a card i never received a card, I sent all of these documents to your department dated XXXX, I have never received a response and Discover refuses to look at all the contradicting dates and resolve this issue. I have been writing them and all credit bureaus and no one will look at the dates. Please help
Consumer complaint received 2018-03-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (CA)

In XXXX of 2017 I transitioned into a new job. Almost immediately at my new job I experienced inappropriate behavior by my superior which caused me to quit. In the coming months I experienced XXXX, XXXX  and gained XXXX pounds. I also was struggling to pay my mortgage due to loss of income and the XXXX. Finally at the end of XX/XX/2017 I was able to get a job. I have called the mortgage company, M & T Bank, to start the process of catching up on my mortgage payments. I offered to make payments to M & T Bank every other Friday until my mortgage is current. On the day that I called the representative stated that they had placed my mortgage in foreclosure that very day. Literally the day that I called. I told them that I find it no coincidence that the day I call is the day they place my house in foreclosure. I again offered to make payments every other week until I'm caught up. I said I would give them all my money for the next couple of months. She stated that I would need to send them over {$7000.00} that day to stop the foreclosure. My only other option is apply for a loan modification loan, which offers no guarantee I will be approved or that the foreclosure will be stopped. While they decide to approve me for the loan modification, the foreclosure will continue to proceed. M & T Bank has a consumer who is very willing to make payments to bring their mortgage current. I do not want to be homeless, I just want to pay my bills and take care of my family. They have made a very difficult last few months infinitely worse. Please help me save my family and our home.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NC)

I have been trying to remove a freeze on my credit report with Experian - to do that, I need a PIN which was supposed to be issued via mail when I placed the freeze - although I never got the PIN in the mail. I tried to use their online tools to either get PIN or remove freeze, and the tools did not work - I tried to upload documents via their website to get PIN or remove freeze - the system came back with an error message, multiple times. I tried to call their XXXX # numerous times and their automated response system did not give the options I needed ( get PIN or un-freeze credit ), nor did it give options to talk to an agent. I called their regional offices/headquarters in US and got the exact same voice response options. I tried messenger and posting on XXXX, but no response for hours and then no help. I finally found an alternative number via a web search that got me through to an agent, that I hope has finally helped me - although he could not do it real time. 

Overall their systems are antiquated, processes poorly designed, and they offer no workable way to get help - this is unacceptable, when they are holding my credit XXXX and I can not proceed with necessary financing. The CFPB should demand better from them ; All other agencies have been easy and straight forward to deal with for removing credit freeze.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. 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 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (UT)

LVNV Funding is reporting a debt on my credit file that is not mine. I had tried to get in contact with them and explain that i was a victim of identity theft. Someone opened this account under my name but it was never used. The balance that was sent to collections is made up from their fee 's for opening the account and for being " late '' on these payments. I NEVER opened this account and wasn't aware this was even on my credit until i checked recently. I called and tried to work with LVNV Funding and came to the conclusion that i should settle the debt because it was significantly affecting my scores and for the balance it was not worth it to fight and continue to damage my scores. Now the debt is completely settled and I'm so over dealing with LVNV Funding for a debt that isn't even mine. I tried to get a deletion letter from them for the reason that it is not my debt and they would not supply that to me which is very ridiculous because i paid this debt even when it wasn't mine!!!! I NEED LVNV Funding to remove this erroneous debt from my credit file. It is not mine, it is paid, and it is affecting me being approved for financing and it is causing hardship on me, i can not have this debt that isn't even mine on my credit file anymore. I need it to stop damaging my scores.
Consumer complaint received 2019-03-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (WA)

After doing research regarding Internet payday loan laws in the State of Washington, I have found that your Internet payday loans are actually illegal. I have been in contact with Washington State Department of Financial Institutions and they have verified that your company is not licensed in Washington, therefore the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. 
I received a deposit of {$300.00} on XX/XX/2018, and have had bi-weekly withdrawals totaling {$760.00} debited from my account. Which includes the finance charge of {$45.00} based on Washington State payday loan laws. This results in the amount financed balance of an over payment of {$410.00} When will you refund the overpayment of {$410.00} to me?
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have had several back ground checks for employment and every time I feel that it is like my credit scores drops for ridicidulous reason. It went from XXXX to XXXX. This needs to change I feel that after having monitored my credit and I have desperately tried my best. In order to pay my bills I need employment. The credit reports on XXXX, XXXX, and Transunion. It needs to be investigated as to why my score drop so much. Is it because of my race I am not sure why. I am a XXXX Veteran, and I have never committed any crimes, the creditors to not reflect the loyal, honest person I am. Some of the incidents on my credit report was due to fraud and oversight on the creditors behalf. I know that I am going through this unfairly. Please fix this
Consumer complaint received 2020-01-28
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. (AR)

I kept receiving calls from a company stating that I needed to make a payment on an auto loan. I told them various times I didn't have a vehicle financed. I then decided I need to figure out what was going on. I pulled my credit report and I found a numerous of accounts open under my name that I have never opened before. Please remove these accounts off my report. 

XXXX XXXX  XXXX {$1900.00} XXXX XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXXBANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXXE XXXX Balance {$770.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX : {$2400.00} XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-02-28
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. (CA)

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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX 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 an account without my written instructions.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-19
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: WELLS FARGO & COMPANY (TX)

I have filed complaint after complaint about this issue. I called and paid my debt with Well Fargo. Submitted my complaint. Every couple of days Wells Fargo & XXXX are changing the status of my settled account. Today after waking up I was informed that Well Fargo updated my account to severally delinquent and past due. Dropping my over all score by 100 plus points. I am in the middle of buying a house. Ive submitted my letters proving payment and Wells Fargo even stated in my last complaint that the account was settled. Im at a lost at what I can do? Please take a moment to correct this account. This is absolutely absurd. If I end up losing the house ive spent thousands on because this account is reporting wrong legal actions is going to have to be taken. Thank you.
Consumer complaint received 2020-01-28
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. (CA)

EXPERIAN INFORMATION SOLUTIONS INC . 

On XX/XX/2019 I retrieved a copy of my Credit Report. I noticed a collection account being INACCURATLEY inserted by XXXX XXXX XXXX  account number XXXX   on behalf of Creditior XXXX XXXX XXXX MD. 
This account has been PAID IN FULL which means that you are in violation of the Fair Credit Reporting Act. XXXX XXXX XXXX has provided me with a letter on company letter head verifying that the account has been PAID IN FULL that will be provided with this complaint. 
Not only are you in violation of the FCRA you are also OUT OF COMPLIANCE WITH METRO 2. Field 17a has incorrect account status information and field 21 is MISSTATING BALANCE INFORMATION due to the fact that the account is PAID IN FULL. 
EXPERIAN. Delete this incorrect and inaccurate account immediately and update your files. As you are well aware it is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a consumers Credit Report. EXPERIAN. Delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX  and XXXX XXXX directing them to REMOVE this erroneous entry as well.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please reinstate my SSN as alive. It is : XXXX. It has been listing me as deceased. I am very much alive. My DOB XX/XX/1986. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2021-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

I signed up for this Regions account specifically because they were offering a {$200.00} sign up bonus and they are currently still offering this bonus for new sign ups. I read the terms & conditions and made sure to follow them. They delayed shipment of my debit card for nearly 8 weeks, whether that is their fault or the XXXX is impossible for me to know. What I do know is I activated the debit card the very same day I received it and used it the required number of times to make sure I fulfilled the bonus requirements. 

I sent a secure message to Regions asking when to expect my promotional offer to be credited to my account and they said I failed to meet the debit card requirements. I sent another message explaining the delayed delivery of the debit card and they disabled secure messaging on my account and refused to respond. 

I do not understand the point of false advertising to get me to sign up for a bank account and then creating poor relations with me to not want to bank with Regions any longer instead of treating me fairly and possibly creating a life long banking relationship. They are using deceptive advertising to get people to sign up for bank accounts.
Consumer complaint received 2020-01-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

I was sick on XX/XX/XXXX and never left my house for 5 days when I saw MANY false charges on chase i knew they were false and called right away charges totaled XXXX and chase denied the claims for no good reason someone stole my credit card, chase said that because this person knew my pin number that chase has NO liability they changed the rules of my account and were somehow allowed to take out XXXX in one day from ATMs when my limit is XXXX my chase debit card was noticed stolen on or around XX/XX/XXXX I called right away they reversed the charges temporaily and have since denied ALL of my claims XXXX XXXX XXXX
Consumer complaint received 2021-11-19
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. (WA)

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (FL)

EXPERIAN Credit Monitoring offered 3 different credit monitoring services ; I chose a Premium. Premium is {$24.00} a month. However, I have called 3 times last year 2019, in reference to multiple charges. I was told, it was resolved. They also advised that because of my Security Freeze on my credit, I had to request services via phone only. Now XX/XX/XXXX 2020 I have another charge of {$24.00} from Experian monthly plan. However, I was charged for this monthly plain 7 days ago on XX/XX/XXXX2020 ( XXXX ). I tried calling them, their website indicate their hours are from XXXX to XXXX. However, when you call a machine states the business hours dont start until XXXX. I have also emailed their support team & decided to leave my credit vulnerable, by cancelling the membership via website. My bank is currently on investigating this issue. However, because it agreed to a monthly fee with Experian, I was told by my bank that this gives them access to perform multiple charges as much as they want ; even though it is not agreed upon nor authorized. This is unfair. I cant be protected by them from suspicious activity because they are the ones committing the suspicious activity.
Consumer complaint received 2021-12-01
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. (RI)

I've been dealing with TransUnion since XXXX of 2019. They have failed to report to the credit bureau since XXXX of 2019. I had a bankruptcy that was discharged in XXXX of 2019, and because they fail to notify/report anything after XXXX of 2019 my account shows as having delinquent payments instead of showing the up to date, correct info which is that I had a bankruptcy and the accounts in question were placed in the bankruptcy. XXXX and XXXX have both reported it to the credit bureau and it reflects in my scores, but TransUnion has REFUSED!!!!! to report it I REPEAT REFUSED!!! to report it to the credit bureau they haven't reported anything since XXXX of 2019!!!! That's XXXX yrs of me dealing with them not reporting the right information ... threaten them with fines or whatever you need to do because they are messing with my life and it's NOT ACCEPTABLE!!
Consumer complaint received 2018-03-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

My loan was transferred from XXXX XXXX to Freedom Mortgage. From the first notice I had called and ask what next steps are. I was to and I followed the to the letter. I was trying to set up online my ACH with a customer rep on the line with me. As instructed I paid one month up front prior to setting up a payment twice a month to be drafted from my XXXX XXXX account. The soft wear was not working and we tried 10 times with out success. At that point the customer rep said he would take my information and put it into the system from his end. A week later I got a call from a rep from FM and she said the ACH was not complete and she would take care of it. Now 2-3 weeks later I got a tax bill from my township and I called FM to ask for a email address so I can scan in the tax bill to match up my escrow. I had asked while I was calling how is the ACH set up and is it ready to go. The customer rep told me it is not even set up. I said read the notes the rep from weeks ago was setting it up. The rep agreed the notes in fact said it was being activated by FM but now since so much time has gone by you need to pay another month in advance to get your bi-weekly ACH set up. I said I did and I will not do it again. This is your problem at the bank and not mine. I has been very unprofessional and with no answers as to how they are going to fix this.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To whom this may concern, I am writing to exercise my rights under the Gramm-Leach-Bliley Act ( GLBA ), specifically per XXXX XXXX XXXXXXXX. As a federally protected consumer, I hereby opt out of any and all authorizations for the sharing of my nonpublic personal information that I XXXX have previously provided, whether those authorizations were given in writing, verbally, or implied through my actions or inactions. 

This includes, but is not limited to, any consent I may have provided for the sharing of my personal financial information with non-affiliated third parties. I request that you cease sharing my nonpublic personal information, except as required by law. 

Please confirm in writing that my request to opt out has been processed and provide any further steps I need to take, if applicable. 

Thank you for your prompt attention to this matter. 

I look forward to your confirmation that my opt-out request has been honored. 

Sincerely, XXXX XXXX