davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC. (TX)

You advertise a FREE report on line. Even three reporting companies. This is XXXX. When I filled out your information twice, you did the same thing. Played like you were trying to load the reports then said, I could fill out forms and order them!!! I am XXXX XXXX XXXX, XXXX, lived at the house I built, for 20 years, lived in a mobile home at this address, while building the home. It is a 2 story Brick home, at XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX. My phone is XXXX XXXX. I would love to see if there is anything Negative on my always perfect credit. I retired, as XXXX XXXX, of XXXX XXXX and XXXX XXXX from the XXXX  business, after 50 years, in the XXXX Business. I have been XXXX, since XXXX. I was XXXX of XXXX XXXX, corner of XXXX and XXXX XXXX, until I sold it XX/XX/XXXX. Was a XXXX  and XXXX, XXXX XXXX  XXXX for 40 years, for exercise, for my health, until XX/XX/XXXX, when I had a XXXX   XXXX. Just wanted to see what my credit report says about me at age XXXX. I owe no one, except current bills, XXXX XXXX, XXXX, etc., they are paid in full each month by bank Draft. XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2021-09-16
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. (MI)

I had a HELOC with XXXX XXXX XXXX XXXX  that was paid off when I sold my property on XX/XX/2021. Received notification that my account was closed by XXXX XXXX dated XX/XX/2021. I received a notice my mortgage was satisfied and lien released on XX/XX/2021. 
As of XX/XX/2021 my credit report still is reporting a balance on this account. I have called XXXX XXXX three times and each time they tell me that they are reporting correctly. However on my last call to them they confirmed that I paid my account off on XX/XX/2021 but they last reported on XX/XX/2021 and it could take up to 45 days for credit companies to get update. I have filed two disputes with the credit bureaus ( Experian and XXXX ) both times they will not update the information because XXXX is stating they are reporting correctly. I believe if I was past due on my payments, they would have been reported by now. This is adversely affecting my current ability to get a better rate on a new mortgage, as well as hindering my current mortgage process. I don't think that they are reporting positive items in a timely matter and this needs to be addressed. This is beyond frustrating.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. Auto Sales Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2023-01-08
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. (FL)

I have some inquiries I didn't recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX VIA XXXX XXXX Bank
Consumer complaint received 2023-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have some inquiries I didn't recognize XXXX XXXX XXXX XXXX, XXXX XXXX XXXX JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-29
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. (NJ)

I disputed a fraudulent account through Experian, which was southwest recovery ser. I sent in a FTC report because the account is fraudulent. The account was delete on XXXX/XXXX/2022 and returned to my report on XXXX/XXXX/2022. I spoke with an Experian representative who explained through no verification southwest recovery ser, sent a notification stating this fraud account was mines so they put it back on my account.
Consumer complaint received 2021-07-20
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. (MS)

XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2020-11-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lake City Credit (GA)

I incurred an original debt with XXXX  for financing of furniture dating back to 2012. A company advising name of Lake City Credit has connected my husband several times daily in regards to this debt incurred solely in my name prior to our marriage. Per my credit report the outstanding balance is for a sum of {$3000.00} sum odd, however they are attempting to collect an amount of {$5700.00}. Additionally, he has no obligations to this debt and the representatives have disclosed all information concerning this matter to him. I requested he have correspondence provided to me from this company to validate the debt, yet to receive. Per contact to the original creditor, refferred to a different collection company, whom referred to yet another, none of so would be Lake City. 

Number call originated from XXXX XXXX XXXX
Consumer complaint received 2019-11-05
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. (OH)

I am trying to buy a house and get a new job and the information that is on my report is inaccurate and unknown to me. Addresses and names and information on all three agencies XXXX, XXXXandXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX- XXXX, XXXX , OHXXXX, XXXX , OHXXXX, XXXX , OHXXXX, XXXX , OHXXXX XXXX, XXXX , OHXXXX- XXXX, XXXX, OH : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Credit Central Holdings, LLC (AL)

I have a loan and I am behind on my payments. The company is Credit Central. The have XXXX  the references ( my personal friends ) by calling XXXX of them and telling them that " if didn't call them and pay XXXX today, they were going to sue me and garnish my wages ''. This occured on XX/XX/XXXX at XXXX XXXX and the call lasted XXXX minute and XXXX seconds. They also called a second friend XXXX times in XXXX day and that was on XX/XX/XXXX and XXXX, XXXX both XXXX and again at XXXX XXXX. XXXX the last call at XXXX, my friend answered the phone and Credit Central told him that unless I called them back they were " prepared to file the paperwork to garnish my wages at 33 %. '' I believe all this was illegal and they have revealed my personal information to my friends. I am highly upset and demand and formal apology from Credit Central they should be fined and I should sue them. The office is located in XXXX and is located on XXXX XXXX.
Consumer complaint received 2023-07-26
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX OF XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX XXXX Balance Owed : {$9100.00}
Consumer complaint received 2021-06-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (MN)

My auto loan ( Hyundai Finance # XXXX XXXX began on XX/XX/2017. Although my required monthly payment is {$360.00}, I have had {$400.00} set-up as my auto pay amount since the start of the loan. All payments have been made on-time. I recently discovered that my over-payments were not credited to the principal as I expected but rather were supposedly credited to " future payments '' ( despite my continuing to be billed every month and debited ). I will attach a recent statement and payment reminder.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2019-02-20
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

At the time of account opening {$200.00} bonus was offered for opening an account with new money. Now the bank is refusing to pay the {$200.00} bonus as apparently finer prints said if I have an existing saving product then it does not qualify. This is mis-leading and deceptive advertising as the finer prints were not placed in a manner that the consumer can see it. 
I would not have opened the account if the disclosure was properly made. 

I think the bank need to credit my account for the original offer as they misled me by deceptive advertising.
Consumer complaint received 2018-09-26
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (AL)

( 1. XXXX ) In XX/XX/2018 I spoke with XXXX XXXX XXXX store card to ensure my payments would be allocated to promotional balances. 
In XX/XX/2018 I was charged interest so I called in to inquire as to why and they talked me through selecting this online ( even though I had already done this in XXXX. Today I was updating my budget in preparations for the holidays and noticed approximately {$160.00} in fees that resulted because my payments were, again, not allocated. I spoke with a supervisor who said " this does happen frequently but you know, we do expect you guys to check in every month. '' She refused to pull recordings of past conversations or verify who/how my selected allocation preferences were changed and said that she was unable to assist in recovering these funds in any way. 

( 2. XXXX ) In XX/XX/2018, I was solicited at a gas station to take advantage of an amazing promotion : 5 % cashback for nonfuel purchases XXXX cents per gallon in fuel credits up to {$1000.00} purchases XXXX cents per gallon in fuel credits for every gas purchase We were going on a month long road trip and these promotions sounded perfect- I would make payments every few days and could get all of our gas, other purchases, even pay bills back home. 
The card was consistently declined, despite the money being out of my bank for nearly two weeks at a time. 
Once the payment did " clear '', the purchases I would make would also take longer than usual to appear. 
This caused a number of hardships for us : we were not able to purchase or make payments toward things we needed because they took our money out of the bank but withheld it for so long ( multiple difficulties and additional funds/fees from our other sources ) It also frequently made the very promotions they solicited us with, invalid ( roughly {$400.00} ). 
I called for a supervisor twice and was told none were available.
Consumer complaint received 2017-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC. (MA)

In XXXX I noticed that my credit score was improving. I looked into Equifax for 1 dispute. For {$2800.00} it was my dentist ( XXXX. ) who was paid in full through my insurance so I sent all my info to equifax. I looked a couple of months later to see if my dispute was resolved and noticed my score dropped 80-90 points. A couple of weeks ago I heard equifax was hacked, and last night I looked into it. With some hesitation I checked with equifax to see if my credit was compromised because of being hacked and they told me Yes. This is so unfair I was working to build my credit, after a long illness and now all they can do is monitor it. In XXXX I owed {$500.00}. That 's all. All my student loans where paid and now I do n't know what to do. I wanted to buy a home and due to the fact that equifax, my credit score is terrible.
Consumer complaint received 2023-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (PA)

Chime suspended my account. Ive done nothing wrong. They said I was making too much and it flagged my account. Ive proven my income, Ive proven my identity. Now nobody will reply. I have over XXXX in checks to cash from Chime that I cant access since they suspended my account. Nobody in the company will email me back to open my account back up.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-03
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (CA)

Hello ... our current mortgage company Home Point Financial offered us a 12 month forbearance under the Cares Act as we were temporarily out of work due to COVID and we were told verbatim that at the end of the forbearance that there would just be 12 months of payments added to the end of the loan. That is not what happened. Once we reported to them that that we were back to work and able to resume payments they added {$22000.00} to our principal balance, 5 more YEARS of payments to our loan and illegally raised our FIXED 30 YEAR intrest rate of 3.25 % to 3.625 %. They have caused a huge financial burden under a program that was supposed to help people. By the time this is all said and done they have added with the intrest rate increase a finanbcial burden of over {$200000.00}!!! Had we been told this is what was going to happed we would have just pulled from our 401K to make the payments. Would have caused a lot less of a financial burden on us. In addition I am quite sure Home Point Financial received government funding from this program. I have asked Homepont Financial several times to provide us with a current amortization schedule and or a spreadsheet showing their calculations justifying adding 5 years of loan payments to our loan and {$22000.00} to our principal and all they have sent me was the original amortization schedule from 5 years ago and a blank document.
Consumer complaint received 2017-11-04
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (CT)

A promotional financing option was presented upon purchasing a product from XXXX. As long as the balance of the purchase was paid off in the prescribed amount of time, no interest would be charged on the purchase. 

In XXXX of XXXX, the promotional amount due by XXXX XXXX was {$890.00}. 
I made the following monthly payments : XXXX : {$200.00} XXXX : {$400.00} XXXX : {$150.00} XXXX : {$150.00} XXXX : {$350.00} XXXX : {$0.00} XXXX : {$550.00} TOTAL : {$1800.00} However, they only reduced the " promotional balance '' by {$30.00} each month despite my large monthly payments. Because I had another " revolving '' line of credit on the same account, the credit card company applied most of the balance to the " revolving '' balance. 

It was not until I noticed that my promotional balance was NOT paid off and I was assessed an additional {$250.00} in accrued interest, that I found out that my payments were not going to pay off the promotional balance. 

After looking into my statements and callling Comenity Bank XXXX the credit card company handling the XXXX credit card ), I found out about how they allocate your payments primarily to the revolving credit and NOT the promotional credit, XXXX unless you call them and tell them otherwise! XXXX. They also say they DO apply a greater amount of your payment to the promotional balance if you are nearing the expiration of the promotional period. However, it is NOT outlined anywhere how they allocate your payments closer to the expiration date and they did not do this in this instance. This is an easy way for them to allow the promotional balances to default so they may collect the outrageous " accrued interest ''. Disgusting! The customer service rep. put me on hold when I asked to speak to a supervisor, but no one ever came back on the line. When I called back, they were closed for the day.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. 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.
Consumer complaint received 2024-02-01
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: Experian Information Solutions Inc. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-26
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-09-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I mailed a goodwill letter on XX/XX/18 regarding XX/XX/2018 late payment status. I was having financial hardship due to being admitted into an in-patient hospital for a month and losing my job. They mailed me a letter on XX/XX/18 stating they aren't willing to help me out. This is keeping me from getting a mortgage loan.