davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-02
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: EQUIFAX, INC. (VA)

I hope this message finds you well. I am writing to express my deep frustration and disappointment regarding the numerous unsuccessful attempts to open an account with your company. 

Despite repeated efforts and several attempts to rectify the situation, I have encountered persistent obstacles in the process. This has not only caused inconvenience but has also led to significant delays in accessing the services your company offers. 

I initially submitted all required documentation and followed the prescribed procedures for account opening. However, despite fulfilling all necessary requirements, my account remains unopened, and I have not received any satisfactory explanation for the delays. 

The lack of communication and transparency throughout this process has been particularly concerning. Despite reaching out to your customer service team on multiple occasions, I have received generic responses that fail to address the specific issues I am facing. 

As a prospective customer, I expected a smoother and more efficient onboarding process. The repeated failures to open my account have not only wasted valuable time but have also eroded my confidence in your company 's ability to provide reliable services. 

I urge you to prioritize this matter and take immediate action to resolve the issues preventing the opening of my account. I expect a prompt and satisfactory resolution, along with clear communication regarding the steps being taken to address this situation. 

Failure to address these concerns in a timely and effective manner will force me to seek alternative service providers. I trust that you will give this matter the attention it deserves and take the necessary steps to rectify the situation. I am asking for your assisstance to correct these accounts in my credit file : 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 2021-05-24
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: EQUIFAX, INC. (TX)

Equifax is refusing to accept my documentation of proof of identification I sent on XX/XX/2021. I have many communication with Equifax over pass year. Now Equifax want to send to send me a letter. After I have place a dispute requesting Proof of Bankruptcy not from a third party, because the bankruptcy courts informed me that they do not actual report to any credit bureaus.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I received an alert from XXXX XXXX alerting me that I voluntarily closed my XXXX XXXX account. I just simply paid off my loan. Considering that there is an existing investigation with XXXX, I should not have a closed account. If anything, the account should say PAID IN FULL. My XXXX  Credit score decreased by 58 points due to this error. I have been paying this loan for a little over 6 years and am very aware that if I voluntarily have XXXX XXXX to close the account, I lose Credit length and perks due to paying a loan in full. This needs to be put back on my report. Removal of this from my report is a derogatory mark. It makes no sense considering that I still have an open dispute on an account that has an open dispute. I called yesterday and the rep said that maybe the credit bureau removed it, because XXXX has not yet reported. Reporting happens at the beginning of the month, according to the representative. I do have my title but I never voluntarily agreed to having a closed account and derogatory mark on my report.
Consumer complaint received 2017-12-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (FL)

In XX/XX/XXXX I have a judgement against me for XXXX I went to court and agreed to pay this amount because I was bullied by the roommate and feared retaliation if I did n't pay. I sent in the fact sheet to Judge XXXX XXXX in XXXX co in XXXX XXXX. On XX/XX/XXXX I checked my balance because I sent a rent check for XXXX. On XX/XX/XXXX I had XXXX. The next day I checked my account and I had a XXXX minus account in my account I had a direct deposit for my paycheck that went in on XX/XX/XXXX for XXXX. I also had 2 deductions from suntrust for administration fee for processing the garnishment. That is all the money I have, I need my medication I have the following diagnosis : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX. I was going to have my medication filled on XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX  XXXX. My rent bounced, I owe for electric, water and internet. I work at XXXX as my husband is in the XXXX XXXX XXXX XXXX in XXXX. Please help me, I have no money to live.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XX/XX/XXXXXXXX Balance - Date opened XX/XX/2015XX/XX/XXXXXXXX Balance {$570.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date opened XX/XX/2015 XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6200.00} XX/XX/XXXXXX/XX/XXXX XXXX Balance {$570.00}
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PREFERRED CREDIT INC (IA)

Inaccuracy on reporting - last activity Date of last activities per bureau on the credit report : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX - The high balance amount is also different between credit bureaus XXXX : {$2.00} XXXX XXXX : {$2.00} XXXX XXXX : {$2.00} XXXX - Date of the last payment has been reported incorrectly XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX This means that they kept reporting even after 90 days, which is against the fair act.
Consumer complaint received 2021-05-04
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 First Finance, Inc. (TX)

Violation of FCRA Sec 604. Improper use of my credit report without my authorization. This company is reporting a fraudulent hard credit inquiry on my credit report. This is a violation of the FCRA Sec 604
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I thought I was signing up for a free TransUnion account ( so that I could freeze my credit ). It did ask for a credit card, but I honestly did not see where it said that I was being charged for anything, so I assumed it was some sort of identity verification. Apparently there was a banner along the side that said I was signing up for $ XXXX credit monitoring. It was very unclear from their website that I was signing up for a paid service ( especially because the other credit bureaus have free accounts that you can use to see your credit score ). This seems to me like a total scam designed to get people to unwittingly sign up for credit monitoring. Also, if you click Get Your Free Credit Score at the top of their website, IT TAKES YOU TO THE SIGN UP FOR A PAID SERVICE. I tried to cancel online, and it doesnt work. I will be calling them in the morning, and if I cant get a refund, Im issuing a stop payment thru my XXXX because this is ridiculous.
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (TX)

I have two transactions that have been held since XX/XX/XXXX by American Express Bluebird. There are two transactions {$34.00} and {$230.00}. Both transactions were for two separate hotel stays. The hotel has reconciled BOTH stays and charged the stays under " XXXX XXXX '' which is their payment processor. I was advised on XX/XX/XXXX by a representative at Bluebird that a letter on the hotel letterhead was needed to have the hold released. They said they would not accept the hotel receipts on letterhead as proof to release the hold and that someone from the hotel staff would have to email a letter on their letterhead from the XXXX domain to have the funds released. The front desk manager as well as the General Manager for the XXXX XXXX and XXXX XXXX in XXXX XXXX, TX have emailed this information three times. 

On the evening of XX/XX/XXXX, I spoke with agent XXXX at American Express Bluebird who was rude and did not help to resolve my concern. I was told that it would take 30 days to release my hotel transaction which is not true according to their own policy that states that funds would be released after the 7th day. The 30 day hold applies to rental car agencies by definition of American Express ' own policy. 

The ambiguity of their policy is misleading and deceptive to customers.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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  All this account s not mine it is opend by somebody who stole my identity and used to get cards and loans. 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 I dont have contract with this Agencies they did not provide me with original contract as i requested. 
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CONVERGENT ACCOUNTS ABOVE THAT I MENTION HAS VIOLATED MY RIGHT 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 ITS ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my XXXX, EQUIFAX, and XXXX credit report ( s ). These inquiries are fraudulent and unverifiable. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX BANK These accounts and inquiries are fraudulent , unverifiable , and are in violation of my consumer rights. Requesting to permanently remove these accounts and inquiries.
Consumer complaint received 2021-05-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (CA)

Re Hyundai Finance. I returned my lease car at end of lease. I was given the final amount owed to complete the lease end. I paid {$1300.00} by credit card XX/XX/2020. Later I was informed by letter an adjustment was made to my account and created a refund due me in the amount of {$650.00}. 

I have called Hyundai Finance 8 times to obtain my refund. The customer service agrees Im owed a refund but its handled by payment processing department. However each time Im told they cant transfer me to that department and had no phone number to reach the department. Further they deny request to speak with a supervisor stating Supervisors dont take calls. 

Can you help me get the money owed to me? I appreciate your help, thank you XXXX
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I have sent multiple letters to all 3 credit bureaus regarding this INACCURATE information on my report. The company that they all told me that verified the bankruptcy sent me a letter stating that it is inaccurate and I even went to the court house to get a letter and it also states that they have no information. XXXX  is lying and violating my rights as a consumer.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my XXXX, XXXX, and TRANSUNION credit report ( s ). These inquiries are fraudulent and unverifiable. 

INQUIRIES : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX These accounts and inquiries are fraudulent , unverifiable , and are in violation of my consumer rights. Requesting to permanently remove these accounts and inquiries.
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (SC)

After 18 disputes with XXXX credit reporting agency, and their failure to remove information from my current credit report, they have acknowledged that the information of inaccurate public record information was supplied by LexisNexis risk management and XXXX XXXX. 

In a direct correspondence with LexisNexis risk management, they responded that no such information bearing my name should be reported, and still it is reported, and based upon a response from XXXX onXX/XX/2018 XXXX  stated that the information was supplied by LexisNexis, which is in contrast and opposite of what was written and reported by the direct contact to LexisNexis. 
In that this information ive been unfairly reported inaccurately on, and the only solution is payment for 17 separate violations or advising Experian to remove such information as inaccurate.
Consumer complaint received 2018-07-26
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. (MI)

i have been a victim of identity fraud, there are numerous of accounts showing on my report that do not belong to me including, XXXX XXXX XXXX  Opened XX/XX/XXXX ( 4 yrs ) {$430.00} AUTO LOANS XXXX XXXX Opened XX/XX/XXXX ( 1 yr, 6 mos ) {$8100.00} COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX ( 6 mos {$8900.00} XXXX XXXX XXXX Opened XX/XX/XXXX ( 6 mos ) {$2500.00} XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX ( 3 yrs, 1 mo ) {$1900.00}
Consumer complaint received 2018-07-26
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. (MI)

i have been a victim of identity fraud, there are numerous of accounts showing on my report that do not belong to me including, XXXX XXXX XXXX Opened XX/XX/XXXX ( 4 yrs ) {$430.00} AUTO LOANS XXXX XXXX Opened XX/XX/XXXX ( 1 yr, 6 mos ) {$8100.00} COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX ( 6 mos {$8900.00} XXXX XXXX XXXX Opened XX/XX/XXXX ( 6 mos ) {$2500.00} XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX ( 3 yrs, 1 mo ) {$1900.00}
Consumer complaint received 2023-03-23
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. (OH)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX Balance : {$210.00} XXXX  ) XXXX Balance : {$520.00} XXXX  XXXX Balance : {$600.00} XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (GA)

I am charged XXXX interest with PayPal Credit and am paying off one of their loans. 
I set up 2 payments for {$150.00} one to clear right away on XX/XX/XXXX and one to clear on XX/XX/XXXX or so to get more payments on the loan to eliminate it. 
I had to cancel the XXXX payment and they cancelled both. 
I was charged a XXXX fee for a XXXX payment, which again due to their bad website triggered two cancellations. 

I would like to get the fee reimbursed to me.
Consumer complaint received 2021-05-04
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. (FL)

I have recently filed a legitimate dispute on XXXX XXXX on the removal of an old account that was settled. There was an authentication dispute that was never properly answered with proper documentation. XXXX XXXX is still posting the account as an {$380.00} collection balance, even though it was successfully settled XX/XX/2021. The account should be deleted permanently, but they are in violation of their subscriber agreement with all three credit bureaus respectively. Accordingly, I request the help of the credit bureaus through the Consumer Financial Protection Bureau. XXXX XXXX XXXX
Consumer complaint received 2020-09-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

last year i have been approved to a trial modification payment and i made all my payments within the stipulation on the letter ... i was making my payments ALL and until XXXX when the payment was due i called the automated service as usual and they informed me that they can NOT obtained my payments because they denied my loan mitigation application. According to them i did not provide the information they requested. also they informed me that they never contact me because in their system they had an attorney in file ... ( THIS WAS NOT TRUE ) the attorney they were attempting to send documents ( never copy me on any letters ) were sent to an attorney that worked for the association of the condominium i reside HE NEVER REPRESENTED ME. 
The only solution they provided me back then was to resubmit the application package AGAIN and re apply .... I did it, and I was denied again Now because they said i miss two payments ( Payments that they did not took in XXXX, XXXX XXXX and because i had applied twice ( which this is what i was told by them ) I am a senior spanish speaking and I asked them the option to please revise the circumstances of why the application has been denied. i being living in the property for 14 years and with the pandemic i am suffering XXXX  I am affraid to loss my home please help me to have them review my case carefully as i feel this is not being handle appropriately and with care according with my case.
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX of 2017 my payment did not go through when it was on auto bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.