davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-30
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. (CA)

TransUnion has repeatedly failed to dutifully investigate incorrect information on my public report For an account listed on my credit report that is invalid and not open. TransUnion has repeatedly taken the side of a collection company that refuses to provide proof that I have an account open with the company listed on my credit every month as " XXXX XXXX ''. TransUnion reports the account as verified accurate despite that the collection company reports false and misleading information about me, and refuses to provide validation of the debt.
Consumer complaint received 2021-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Remex, Inc. (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This was a corporate account and mistakenly reported on my profile. I believe there may be an error on the payment status, payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP. 

XXXX XXXX ( XXXX XXXX XXXX ) XXXX Balance {$340.00}
Consumer complaint received 2021-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (IA)

i recently refinanced, and the mortgage was sold to Amerihome mortgage. My homeowners insurance information was in the mortgage applications, but I received a note after the sale of the mortgage directing me to a very unprofessional website with no identification saying that I needed to enter my insurance information into the website. The letter had no identification that showed it was from the new servicer. After a second notice, I called the servicer that it was valid. I entered the homeowners insurance information into the website. 

I recently got another letter saying that the final notice on the insurance information even though they had it already and if I didn't provide it, they would input their own insurance. I feel this is and attempt to fraudulently switch my insurance to provider under their control.
Consumer complaint received 2021-08-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

After having made all of my payments on time for a debt that was originally not even mine due to an error at a hotel I stayed at, XXXX XXXX XXXX decided to file my account for collections multiple times according to XXXX. 

On XX/XX/2021, I had called the XXXX XXXX Law Firm to explain to them that I am currently in a XXXX XXXX  to be XXXX XXXX XXXX XXXX  and XXXX XXXX and therefore asked to pause my payments. I was told there was nothing that could be done when I felt it was reasonable. I also was treated rather rudely and made to believe it was my fault to be XXXX and unemployed. 

After the call, I sent an e-mail to the lawyer in charge of the collection, XXXX XXXX He never responded to my e-mail to ask for further documentation when all I wanted was a pause for payment so I could resume once my income returned. 

This was highly unprofessional.
Consumer complaint received 2019-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I created an Equifax account, and attempted to obtain my free annual credit report and score. Equifax will only give you a free credit score if you sign up for their intrusive credit score service called Equifax Core Credit. Considering Equifaxes poor history with privacy controls, I don't think it's fair for them to force consumers to sign up for another service simply to obtain the score. What Equifax will give for free is a " credit report '' which does not give the score - only a summary of account information. According to Equifax 's privacy policy, signing up for Equifax Core Credit means agreeing to allowing the company to share and sell my information. I'm rather certain this is a violation of credit reporting laws and amounts to type of extortion. The Federal Government has been far too lax with Equifax considering their history and reputation of negligence with consumer information.
Consumer complaint received 2018-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

The complaint is regarding XXXX and their inaccurate count of my Public Service Loan Forgiveness Qualifying Payments. 

I submitted my employment verification form to XXXX XXXX this past XX/XX/XXXX, which initiated a transfer of my loans to XXXX from XXXX. I have been repaying my loans to XXXX via an income-based-repayment plan ( PAYE ) since late XX/XX/XXXX. I should have approximately 32 qualifying payments for PSLF on record from the date that my loans transferred to XXXX, however my qualifying payment count still says " 0 '' on the XXXX   website. 

This is frustrating because I have called XXXX on multiple occasions on multiple occasions regarding this, and have been told that the problem will be corrected within 90 days, however I am now well over that 90 mark and my payment count still says " 0. '' I have made several career decisions based on the promise of PSLF, so this delay concerns me deeply.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

stop contacting me. i did not report identity theft. i reported fraud. i was defrauded by the " creditors '' on that report. they have defaulted on my collateralized loan and will be placed into liquidation to repay my collateral. do not contact me about this matter any more. do not share my credit report with anyone. i am not going to be extending any more credit to these criminal organizations ever again. i will not repay any USD or hold any USD until the collateral is returned and i'm compensated for damages. STOP CONTACTING ME. THIS IS EXTREME HARASSMENT! I HAVE NEVER MADE A SINGLE LATE PAYMENT ON A DEBT IN MY LIFE! LOOK AT THE XXXX REPORT! NOTHING UNTIL AFTER THEY ANNOUNCED THEY ARE BANKRUPT AND LOCKED WITHDRAWALS. XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX for information. XXXX
Consumer complaint received 2022-04-30
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 — Investigation took more than 30 days
Company: MoneyLion Inc. (NJ)

I XXXX XXXX XXXX under the penalty of perjury, affirm and attest that all after mentioned statements are true. On XX/XX/2022 I noticed after viewing all three of my credit reports from XXXX, XXXX, and XXXX  that XXXX was and currently as of XX/XX/2022 still is reporting inaccurate and fraudulent information to my credit file on behalf of deceptive corporations and XXXX party thieves. On XX/XX/2022 I filed an FTC identity theft report against XXXX, XXXX, XXXX, and multiple other thieves who are utilizing my credit file without permissible purpose lacking consent from me to furnish or report such inaccurate details about my personal, consumer, and credit information causing defamation to my character and hardship for me and my family. On XX/XX/2022 I sent XXXX multiple letters requesting debt validation, personal information amendments, and other credit related inquiries which they signed for and received via XXXX certified postal mail on XX/XX/2022. XXXX has blatantly disregarded my request thus continuing to further violate my federally protected rights as a consumer. It is now XX/XX/2022 and I still have not received any proof that investigation has even begun. I am demanding that XXXX no longer violates my federally protected rights by adhering to my written instructions that I have supplied them as of XX/XX/2022 through updating, deleting/removing, and remeding the many violations that are being reported on my XXXX credit report and file. Please find attached all evidence supporting my claim and make the accurate changes. I demand XXXX stop violating the FCRA and the FDCPA.
Consumer complaint received 2020-01-27
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: AMERICAN EXPRESS COMPANY (CA)

On XXXX I used the American Express online portal to request an additional authorized user on my AMEX XXXX card. I went through the prompts, read the legal disclaimer, and hit submit. After submitting my request, I received a credit bureau notification from XXXX  informing me of a hard inquiry on my credit bureau. 

I went back online to verify if there was any language where I consented to AMEX receiving my credit report, and there was not. I called AMEX directly and spoke to a rep who was unable to assist me with my problem. In asking her if i would have called AMEX directly would they have informed me of a credit pull, and she said they would have not. 

She then provided me with the number of XXXX to correct this problem on XXXX. I called them this morning at XXXX PST and was told to call the new accounts department at XXXX. The American Express rep said because i have a fraud alert set up on my account, a hard inquiry was made. I told him I have had fraud alerts placed on my account for over 20 years and this was the first time something like this had happened. 

I did not give any consent to AMEX to pull a credit report on my account. AMEX did not provide me with any information that having a fraud alert on my account would result in a hard inquiry. I am of the opinion that AMEX violated the Consumer Privacy Act. 

After going back and forth, the rep XXXX XXXX ID XXXX XXXX said they would remove the inquiry. He said they had a maximum time of 90 days to remove it from the credit bureau. I'm not sure if this is true and would like follow up on this since they were unable to provide me with an information in writing.
Consumer complaint received 2021-06-29
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: Conn's, Inc. (LA)

On or around XX/XX/XXXX, I received a letter from Conns concerning my current account with them. The letter advised that my credit line has increased {$1000.00} due to my good payment history on my account. Two days later my window AC unit went out, so I decided to go into my local Conns XXXX XXXX located on XXXX XXXX in XXXX XXXX to add a {$500.00} unit to my current account with Conns. I did not think that it would be an issue since I was just sent a letter that increased my credit line. But, this turned out to not be the case. The sales rep asked for my SSN and I assumed that it was to pull up my current account which she did. She advised that she did not see the additional $ XXXX and would need to contact the Credit company to see why. She asked me to wait, when she returned about 5-10 minutes later, I was advised that she ran my credit and Conns was unable to extend credit to me. I did not understand considering I was sent a letter increasing the line on my current account. I never gave permission for Conns to run a new hard inquiry on my credit but they ran one anyway without even advising they were doing so. When I asked about the letter I received, the rep did advise that she sees where they sent me the letter but it did not mean anything and Conns sends these letters out to get the customer to come into the store so that they can run their credit. I was appalled and have made a complaint with the XXXX  in which Conns refuses to acknowledge that they ran my credit without permission and just keep providing paperwork I signed in XX/XX/XXXX for my current open account as proof. Conns refuses to do anything to correct the inquiry on my credit report or even take credit for the letter that they used to lure me into the store with false pretenses.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-06-09
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: FORD MOTOR CREDIT CO. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-02-13
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: EQUIFAX, INC. (CA)

Hello, I can not get my credit report from Equifax. I have tried to talk with about 25 people at Equifax Customer Service over the last week ( XX/XX/XXXX-XX/XX/XXXX ) and Equifax refuses to assist me. I have reason to believe they are showing me as XXXX because my credit report from a third party aggregator of three credit reports shows a note about me being XXXX. I am not XXXX. I have confirmed with the Social Security Administration that they do not show me as XXXX. I need this cleared up yesterday, as I am trying to close on a home loan that is now in jeopardy. I need Equifax to respond to me, but they refuse to talk to me, let alone check with SSA to confirm the record with SSA.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I am filing a formal complaint against Experian for their failure to respond to a dispute letter I sent on XX/XX/year>. In my dispute, I addressed several items on my credit report, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and incorrect personal information. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to respond to consumer disputes within 30 days of receiving the dispute. Unfortunately, I have not received any response from Experian regarding my dispute, and this failure to communicate is a direct violation of the FCRA. 

Enclosed with this complaint is a copy of the dispute letter I sent to Experian, serving as evidence of my attempt to rectify inaccuracies in my credit report and Experian 's failure to adhere to their legal obligation to respond within the stipulated timeframe.
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (TX)

Credit Bureau is reporting a XXXX  day late in XX/XX/2018 on ( XXXX XXXX XXXX ). 
How can this account be XXXX days late when it was on time the month prior. This is an inaccurate reporting. Please remove the XXXX day late from my credit file and update this account to open, never late.
Consumer complaint received 2024-02-05
Product: Credit reporting 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)

I am not liable for any debts with these corporations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have sent in several notice of trespass and notice of intent certified and registered mail. To these companies and have reported them to the XXXX  with no resolve. They are in violation of RICO 42 USC 408 and 15 USC 1681 I have the right to privacy and I do not have any contracts with these corporations in wet ink signature.
Consumer complaint received 2020-01-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (OR)

Yes I purchase a NetSpend card on XXXX XXXX XXXX XXXX in Oregon of XXXX on XXXX XXXX and XXXX and it was already activated what it opened up the box and it would not reimburse me I have a card with {$500.00} that I never got to activate the card with because it was already pre-activated I don't need somebody else 's name and they never reimburse me for it and I got arrested because I went in there and raise XXXX to get my refund and it would not refund me and call the cops on me because it was inside somebody else 's name when I opened up the box of the NetSpend and I went to activate it and he said no it's already activated said somebody else 's name you're not the card holder and I want this incident paid for in reimbursement I never got the money from that card at all I got {$500.00} on that card and I can't activate it or get anything even the car company itself blocked at NetSpend did
Consumer complaint received 2023-12-21
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. (PA)

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2023-06-30
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)

I recently obtained a copy of my credit reports from all three agencies. There are numerous and excessive inquiries showing, of which I know are not mine. I only applied for a vehicle loan last XXXX. The inquiries are excessive and taken without my permission. I am requesting all but the XXXX XXXX vehicle loan inquiries removed.
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credence Resource Management, LLC (CA)

im writing this complaint on regards of the unfairness and unjust findings on my consumer credit report. I have filed a complaint with the XXXX XXXX XXXX  and they have confirmed indeed that I am not liable for this debt, and I would like it to be removed from my consumer credit report as soon as possible as I feel that the bureaus are using a tacit to leave the negative information to be reported longer! if you could take a look at my attachments you will find my claim to be more reliable and truthful.
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I submitted dispute inquiries to Transunion LLC through a certified letter on XXXX XXXX. 
The letter was received certified mail on XXXX XXXX, I received a letter stating the the explanation of the inquires on my credit report. It stated the inquiries listed on my credit report are a record of the companies that obtained your credit information. It did not state an investigation was going to be made into the inquires even though my letter stated that I requested an investigation of the inquires. After a phone call I was told that there would be no investigation into the inquires. file number:XXXX