davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-13
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)

EQUIFAX HAS CREDIT INQUIRIES ON MY FILES THAT ARE NOT MY AND I DID NOT AUTHERIZE : XXXX XXXX XXXX XXXX XXXX | NOT MINE EQUIFAX XXXX XXXX EQUIFAX XXXX XXXX | NOT MINE XXXX XXXX, XXXX XXXX XXXX, XXXX | NOT MINE XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX | NOT MINE XXXX XXXX | NOT MINE
Consumer complaint received 2021-05-05
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)

On XX/XX/2021, I filed a dispute in regards to the inaccurate items on my report & I haven't received any results. 
There has been unauthorized inquiries, and unverifiable accounts reporting on Equifax, XXXX  and on my XXXX XXXXeport. My letters seem to have been disregarded because I havent reviewed results or proof.
Consumer complaint received 2017-12-20
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the third and last time I attempt to fix this with transunion. They are still allowing XXXX XXXX XXXX to illegaly collect a debt that is unenforceable and uncollectable. My previous disputes have simply been automatic responses from both companies and a proper investigation was never done because of it was, transunion would have found out this debt is illegal and unenforceable. This account still remains on my credit report and because of that, I will be filing a lawsuit against transunion and I will seek punitive damages as well since I have a letter from a creditor denying me credit due to this illegal account on my credit report. Ive attached the laws and statutes that transunion has broken and a letter from the Florida office of Financial Regulation that support my case.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

As per FCRA Section 605, it is imperative to eliminate any items identified in Identity Theft Report # XXXX. This serves as a follow-up to my previous complaint, reiterating concerns that I have previously communicated and now including a new FTC report XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXEXPERIAN : 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 XXXXXX/XX/XXXX. Please note the four-business-day deadline for the removal of these reported items resulting from alleged identity theft. I want to emphasize my non-consent to E-OSCAR or any form of automated verification.
Consumer complaint received 2020-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (GA)

Back in 2017 XXXX, one of the three credit reporting agencies leaked the data of 143 million Americans, including myself. Information leaked in this data breach included my name, social, date of birth, address, and driver 's license number. As a result of this, I have become a victim of identity theft, leaving my credit profile and overall credit score to suffer greatly. Your organization is currently reporting accounts that I have listed in my lawsuit with XXXX, I have attempted to resolve this issue with your company and I have yet to receive a response. Remove this account, If you refuse to remove this account from my credit file, my lawyer will be advised to move forward with a civil suit against your company. I will bring this information forth to a judge in my area, section ( 609 ) of the Fair Credit Reporting Act, states that all information listed on a consumers credit file, must be 100 % accurate.
Consumer complaint received 2018-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (IN)

Every other month some attempt to apply through Chase an XXXX credit card. It is denied because I have had a bankruptcy in 2011. My problem is that these are hard inquiries and each attempt drops my score by 2 points each time. Chase has advise I get a freeze on my credit. I want them to remove them from my XXXX  credit report. This will resolve my issue.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CO)

On XX/XX/XXXX, I requested a credit limit increase on my Citi credit card. Citi attempted to pull my credit report from XXXX. However, I had a credit report freeze in place with XXXX, so the request was denied. Citi then attempted to pull my credit report again, and again the request was denied. Both attempts appear on my XXXX credit report.

First, I contacted Citi on XX/XX/2018 and spoke with a supervisor. I explained the situation and she checked with their credit approval department and told me that since the inquiries had not gone through, they should not appear on my credit report and that Citi was unable to have them removed. She advised me to open a dispute with XXXX to have them removed. 

On that same day, I submitted a dispute to XXXX through their website. On XX/XX/XXXX, I was notified by XXXX that their investigation was complete and that my report had been updated. However, the inquiries have not been removed and XXXX does not provide any way to follow up on the results of the investigation.
Consumer complaint received 2018-07-27
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)

File Number : XXXX - I still have 3 inquiries on my credit report that I DID NOT authorize. PLEASE DELETE THEM ASAP : >XXXX XXXX XX/XX/2018< >XXXX VIA XXXX XX/XX/2018< >XXXX XX/XX/2018< AS I Said, I DID NOT authorize these inquires and NEED to be deleted!
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (CA)

I received a phone call from " XXXX from Comenity Bank '' ( number XXXX ) trying to recover a debt from my sister ( whom I do not live with nor have ever had shared financial accounts with ). This was extremely inappropriate and I believe illegal.
Consumer complaint received 2018-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

In XX/XX/2005 I went looking for a remodification of my loan I was told I could not do this because I was current and was advised the only way to remod was stop paying my mortgage I was on an interest only loan afrer I stopped paying my interest only payments and was granted a remodification my principal was increased from {$600.00} XXXX to {$680.00} XXXX  without me having any knowledge of this happening I feel this is a very unfair practice and considered predatory lending practices for the last 13 years I have been paying interest on top of interest in essence paying double interest. this doesn't seem fair .as I was not informed
Consumer complaint received 2018-07-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Thaxton Investment Corporation (SC)

I called this company on XX/XX/XXXX to take care of a delinquent debt. The person I spoke to told me the agent handling my account was out of the office and would return my call XX/XX/XXXX. I received no followup on XX/XX/XXXX. I called them back XX/XX/XXXX and explained that I would like to pay the amount in full and never received a call back as promised. The lady told me that even though she was out of the office the amount of the debt continued to increase due to their interest policy and that she will not adjust the amount despite my contacting them in good faith on Tuesday the XXXX and she was out of the office. If I paid even a dollar less than it would be reported as settled not in full. I am willing and able to pay the amount but I do not like to be taken advantage of because of their employee being out of the office.
Consumer complaint received 2017-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (NJ)

XXXX card claims I own XXXX but I never opened this account someone was making payments from a XXXX XXXX account but I got a letter from XXXX XXXX stating I never had a account with them
Consumer complaint received 2017-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (WA)

Chase sent us a Schedule of Unauthorized Transactions form listing a transaction from XXXX in XXXX, WA on XXXX XXXX, XXXX for {$1700.00}. 

This transaction is shown on our bill for XXXX XXXX as taking place for the above amount. 

Why was this transaction allowed to go through and be charged despite being on the Unauthorized Transactions letter?
Consumer complaint received 2024-02-03
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. (CA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

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 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 2023-01-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (IL)

My vehicle was repossessed on the weekend of XX/XX/XXXX. On XX/XX/XXXX, I contacted and paid Westlake Financial the total sum amount of {$2200.00} which I was told included missed payments, late fees and repossession fees. The breakdown discussed was also displayed in my online account summary. A week later or possibly sooner, I see an additional $ XXXX in repossession fees added to my account after I had already paid and retrieved my vehicle. I contacted the company to request something in writing that shows that additional fees could be assessed afterwards and was told there is nothing in writing but that I owed the amount. I think this is completely unfair and unethical. The company is evidently attempting to place in a worse financial situation without any documentation to support their ability to do so
Consumer complaint received 2021-07-14
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: Experian Information Solutions Inc. (AL)

I sent in a fully detailed dispute via mail in early XXXX of this year in reference to disputing issues on my credit report to Experian. The mail was certified and signed ( received ) on XX/XX/2021. Since then there has been no communication or explanations resulting from the dispute and today marks day 30 without explanation. I tried to call Experian, but they now have a recorded operator who will not allow human interaction with employees. As stated before, this is day 30 of my dispute, and nothing disputed has been proved nor explained or removed and I'm requesting them to remove what I disputed in my mailed dispute since they have had their time to ignore my investigation request.
Consumer complaint received 2020-11-22
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: Experian Information Solutions Inc. (FL)

Greetings, I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 a charge in the amount of {$27.00} was made at a XXXX via the counter. Immediately after the same person attempted to make two cash withdrawals from the ATM machine located inside the same store. First two attempts were declined, Im assuming due to having a transaction limit of {$160.00} on my account to protect myself from having things just like what happened next. After two failed ATM withdrawals, their 3rd attempt was allowed to go thru for {$260.00}, well above the protections I had set up for myself. When I noticed the charges the very next day, I immediately file a fraudulent claim in regards to the two charges. At that time B of A alerted me that a person had made a duplicate copy of my card and THATS how it had been used. This investigation was completed in a very timely manner and Ive got the letter explaining a permanent credit and no further action from me would be needed. Well to say the least, further action has been consuming my life each and every day with lies, turnarounds and completely opposite statements from day to day. A month last Im still waiting on my {$290.00} to be credited to my account. Im told each day that the investigations team who lost my permanent credit is now investigating themselves as to how/where my permanent credit actually went. NONE OF THIS IS OBVIOUSLY MY FAULT WHATSOEVER. B of A only says it can take up to 30 days to get your money thats rightfully yours. I dont have another minute to wait. I have filed multiple missing credit claims as well as hardship claims. None of which I have done a damn thing to get anyone to even blink an eye at my claim.
Consumer complaint received 2021-05-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (OH)

I submitted a complete packet for a loss mitigation application. My lender received them and informed me that its under review and just waiting for the results of the application and that it will take 30 days. 30 days after there's still no updates from them and they are saying that the evaluator has not even started the review process. I am not sure if they really want to help me save my home or they want to foreclose my home.
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

For the months of XXXX through XXXX of XXXX, my minimum of {$25.00} towards my bill for Capital One did not go through when it was on auto-pay. This happened concurrently with both accounts I have with this company. I reached out to the company and they said they saw the payment try to come out of my bank but it was rejected. They never notified me of the rejection and gave me this late payment. I continuously called the creditor to ensure my account was enrolled in auto-pay and received confirmation the accounts were enrolled and I would not have any issues. I was told back in XXXX of XXXX that these late payment remarks would be removed from my account as it was an error in Capital Ones autopay system. I have since disputed these late payments with the credit bureaus, and the company has failed to respond as this was supposed to have been resolved back in XX/XX/XXXX as promised. I have been a good customer for years, with two accounts with this company. I have explained the hardship these inaccurate claims have caused. There is now a derogatory mark on my credit file and the company will not help me with this unfair situation. I am unable to get approved for an apartment at this time due to derogatory marks.
Consumer complaint received 2024-02-03
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. (GA)

XXXX XXXX XXXX and Experian continue to report an alleged collection. I have not validated this debt or have I been sent any information to verify this debt is mine. Experian is being paid by XXXX XXXX XXXX to report this information to cause me harm and damages. Since the two are using my information to make profits I am entitled to be paid. Furthermore there is no contract between me and XXXX XXXX XXXX so it would be illegal to even make claims against me as I have the right to contract with whom I want in commerce. Just because the contract is transferred does not mean all rights to said contract is transferred therefore I refuse to pay this alleged debt and demand it be removed.
Consumer complaint received 2019-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MN)

1. Applied and was approved for American Express Platinum credit card on or about XX/XX/20192. Promotional offer (screenshot attached) was XXXX Amex membership points upon spending $XXXX within 3 months of opening card subject to various caveats (see terms and conditions).3. I met the spending condition and have not received the points. 4. It is important to note that during the application process, there was an eligibility check for the promotion and I was NOT told that I was not eligible.5. This is for account ending in XXXX (XXXX XXXX)
Consumer complaint received 2017-12-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I purchased an option from XXXX back on XXXX XXXX, XXXX for XXXX btc using my coinbase wallet. 3 hours later I won my option and funds and earnings were returned to coinbase three hours later and documented by the bitcoin blockchain. I never recieved a credit to my account for XXXX btc and from my research of the blockchain can see my money was sent from coinbase into some coin tubbler service. I have reached out once last year and never recieved a follow up from the coinbase research team. I contacted them again yesterday XXXX/XXXX/XXXX asking for my money to be returned. I have still not recieved a reply so I 'm seeking your assistance.
Consumer complaint received 2019-05-23
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I XXXX, XXXX and CAPITAL ONE BANK USA with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

The company reported to both XXXX  and Equifax that my payments were late ' twice by 30 days for XXXX and XX/XX/XXXX, then 90-119 days late for XX/XX/XXXX, and finally, 60-89 days late for XX/XX/XXXX. I reported a dispute directly to the credit reporting agencies which did not help the situation. My complaint is as follows : 1. My account balance was current for the months of XXXX and XX/XX/XXXX. I had payments clear, plus my account was current in the month pf XXXX which is showing as " no data '' on my credit report. 
2. My account was not delinquent by 90-119, I was current for XX/XX/XXXX and made a payment early XXXX ( XX/XX/XXXX for {$400.00} ) that cleared. 
3. I spoke with a company representative and asked for COVID impact relief to which they said they would not offer.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I have reached out to both Experian and the Original Debtor regarding the alleged debt owed. Both companies have failed to provide legal documentation at my request to validate the alleged debt. Ive been requesting this information since XXXX. Experian even added a late payment to the charge off account and now the account reflects 2 charge offs. How is the possible and/or legal?