davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
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: Fidelity National Information Services, Inc. (FNIS) (MN)

I am a victim of identity theft and have numerous police reports on file with Chex Systems in regards to fraudulent accounts and inquiries listed on my Chex Systems Consumer Report ID # : XXXX. The following inquiries viewed by others currently listed on my Chex Systems Consumer Report are fraudulent, unauthorized and is the result of identity theft : XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX, XX/XX/2022, and XXXX XXXX XXXX XXXX, XX/XX/2022. The inquiries viewed by others, are not my inquiries.
Consumer complaint received 2021-10-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation (IL)

This account was opened in XX/XX/ XXXX it has been closed. They have switched the account to another internal account with a different account number lied about me making payments I never made to keep it active while also toying with my credit nonstop, one month they change the payment history the next month its changed again.

They have charged off the account and now all of a sudden they are also trying to put it in collections because its coming up on seven years. I have no collections on my credit and I will not stand for it Im trying to build my credit to buy a home and this corporation is doing nothing but trying to hold me down on every level on every turn. The information is incorrect they have blatantly lied over and over it must stop. I have all the records to prove this. This is beyond bad business practice this is downright lying on there part. How Can anyone get ahead in life when I have to deal with corporations like this Im just one person but I will not give in and I will prove to whoever I need to they have lied and lied and lied.
Consumer complaint received 2020-11-30
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: EQUIFAX, INC. (MA)

Equifax, has received my credit card utilization 3 times in the month of XXXX from XXXX XXXX and each time has reduced my XXXX  score significantly. I have no other conclusion but to feel harassed and that XXXX XXXX is feeding Equifax with such information. Dates my credit card purchases, payments were reported during XX/XX/2020, are : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, neither are in line with my billing cycle and both companies blame the other. 

In addition, Equifax has reported a 120 day late payment on an US Dept. Of Education loan as being 120 days late during the pandemic, reported from XX/XX/2020, when currently are payments to student loans are suspended and interest rate is at 0 %. why did it take them until XX/XX/2020, coincidentally when I started to try to repair my credit to report a 6 month old payment. 

Lastly, There are two accounts that I asked be VERIFIED, XXXX and an collection account in the amount of {$670.00}. Not only will they not provide information to validate these accounts to me directly, they keep reporting such information as accurate. Validation requires Equifiax to provide my signature on documents that show my agreement to pay both companies, when the account was sold to collection, the date, amount it was sold for and proof that I owe said company. Equifax failed to validate both accounts in 30 days.Validating both accounts and removing them would increase my XXXX score significantly and their failure to do so, would explain their reluctance. Also, they changed dates on both of thee accounts, so that they remain on my credit report longer. Equifax recently changed dates to XX/XX/2020, these dates enable them to keep negative items on your report longer than 7 years.
Consumer complaint received 2020-11-30
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: SUMMIT FUNDING, INC. (TN)

On XX/XX/2020, XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX/SUMMIT FUNDING I add a hard inquiries on my credit reports per XXXX, XXXX  ( The report does not include information about the creditor. ) and XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-11-30
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: Accurate Financial Services (TN)

On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX/XXXX XXXX I add a hard inquiries on my credit reports per XXXX, XXXX ( The report does not include information about the creditor. ) and XXXX. 
On XX/XX/2020, ACCURATE FINANCIAL SER add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (PA)

This dispute is with Citi who represents Home Depot. I initially had 5 promotional balances for which there were expiration dates before I would be charged interest. I paid off 3 of them in full before the expiration dates in order not to accrue interest. At the moment I have 2 promotional balances left, one expires XX/XX/XXXX and the other XX/XX/XXXX totaling {$2900.00}. 07 but the statement balance is showing {$4100.00}. 

I have been in contact with Citi since XX/XX/XXXX and they have yet to give me a reason for the additional amount of {$1200.00} interest. This is very frustrating and you are my hope that this is resolved soon. I would appreciate you looking into the matter for me
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I submitted a request for investigation for the account ( s ) listed below, providing sufficient information for a thorough investigation. However, the investigation was not conducted properly, and the accounts should have been removed. 
Relying solely on the flawed e-Oscar system has been shown to result in inaccurate and unfair information. I urge you to conduct a thorough and precise re-evaluation of the following accounts. 
Account Name : XXXX Account Number : XXXX Just like in previous cases such as XXXX XXXX TransUnion XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX et al, the courts have consistently ruled that credit reporting agencies must conduct their own independent and reasonable investigation to verify the validity of debts and the credibility of creditors and collection agencies. Simply parroting information without conducting a thorough investigation is not acceptable, as seen in the cases mentioned. Sending a generic form letter through the e-Oscar system without including the reasons for the dispute is not considered reasonable by any standard. 
If my dispute is not investigated, I will take legal action under the Fair Credit Reporting Act to protect my credit rating and rights, as each violation allows damages of {$1000.00} in court. 
Kindly comply. 
Regards XXXX XXXX
Consumer complaint received 2020-06-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (NJ)

I am a XXXX XXXX full time working part time per diem in my field during the Covid 19 pandemic I learned I could contact my finance company Westlake financial to request some form of leniency to reduce the monthly payment without any additional financial consequence when I accessed my loan online I noticed excessive late fees and NSF fees on my account I have made on time payments since I purchased the vehicle in XXXX those fees are incorrect and bogus. Additionally I noticed I have paid over double the original cost of the car over the last two years I have paid over XXXX XXXX Dollars and my loan end in XXXX which means I would have paid another over XXXX XXXX dollars a total of over {$23000.00} the original price of the vehicle was {$16000.00} by XXXX I would have paid over {$6000.00} in interest and other fees I now understand I should have been offered GAP insurance which I was not told about I do not feel the dealership was honest with me about what I was signing. When I attempted to dispute these late fee and nsf fees I was told my dispute is not valid I was spoken to very rude abrasive and unprofessional I was I feel taken complete advantage of this was my first time financing a vehicle I was alone and was at the mercy of the sales people at the dealership completely unaware with no first hand knowledge I trusted the people I was dealing with to be honest ethical and professional I am work in the medical field I help to save lives not destroy them. I feel I was XXXX  XXXX of my hard earned money I could have used to pay for college.
Consumer complaint received 2020-11-30
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: SYNCHRONY FINANCIAL (MN)

On XX/XX/XXXX, SYNCB/TJX CO DUAL CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX add a hard inquiriy on my credit report per XXXX. The report does not include information about the creditor. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (MT)

Barclays Bank has incorrectly posted a 30 day late on my credit and Ive tried everything possible to get them to fix their mistake and every time I have called they have transferred me around from agent to agent, with some calls lasting hours and every time they say it will be looked into and corrected, it never happens! I can not take hours out of my work day waiting for one of their representatives to pick up my calls - and when they finally do, I either get passed around from person to person or simply hung up on. 
Im sure Im not the only one that has had problems with Barclays service. Their repeated failures have had a grave effect to my perfect credit history and is both effected my construction business ( Im not able to open any credit accounts for building materials ) as well as my ability to refinance my home like the majority of Americans have done to take advantage of favorable interest rates. 
I hope your organization can help me ( and others ) who have been forced to suffer at the incompetent hands of Barclays Bank. 

Thank you XXXX XXXX
Consumer complaint received 2017-11-25
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: Experian Information Solutions Inc. (TX)

I have called the credit bureau and the agent advised me that I would have to call the original creditors to remove the unauthorized credit inquiries. I called in the original creditors and they seem to have no idea how to remove the inquiries from the credit bureau. 
Please remove the following unauthorized inquiries immediately as they are effecting my financial well being. 
1- XXXX XXXX XXXX 2XXXX XXXX XXXX 3- XXXX  XXXX XXXX XXXX 4-XXXX XXXX  XXXX 5-XXXX XXXX XXXX 6-XXXX XXXX 7-XXXX XXXX 8-XXXX XXXX XXXX XXXX 9-XXXX XXXX 10-XXXX XXXX XXXX 11-XXXX XXXX XXXX XXXX 12-XXXX XXXX  XXXX XXXX
Consumer complaint received 2021-08-20
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. (TX)

FCRA VIOLATIONS : NOT MINE : SEE ATTACHMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family
Consumer complaint received 2017-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (FL)

Early in XXXX I requested that M & T Bank drop the PMI insurance from my mortgage. I was subsequently sent a notice that the PMI would not be dropped because I had not met 2 of the criteria in order to do so. One of the criteria required me to make an additional lump sum payment towards the principle, which I did. The other requirement was that the loan had to be in effect at least 5 years. I was told verbally by M & T that that period would be in XX/XX/XXXX. When I called in XX/XX/XXXX to find out when I would receive a new payment break down, I was told that the PMI could not be dropped until XX/XX/XXXX because the 5 year mark was on XX/XX/XXXX. The payment statement that I received from M & T shows an increase in the monthly payment due to their escrow analysis, which includes the PMI charge that I will no longer be responsible for. I called M & T Bank today ( XX/XX/XXXX ) and asked again for a new escrow analysis so that I would know what my correct payment should be on XX/XX/XXXX. I was told that I could not receive that new payment figure since the 5 year mark ( XX/XX/XXXX ) had not yet arrived. I asked if I called on XX/XX/XXXX if they would then send me the correct payment amount so that I could make my XX/XX/XXXXpayment on time. I was told that the analysis may take up to 60 days before it takes effect.

It is obvious to me that M & T Bank is stringing us along, and probably thousands of other mortgage holders as well, in order to collect additional PMI payments.

The resolution to this problem is simple. I need the correct payment amount for XX/XX/XXXX that does not include the PMI. 

Thank you in advance.
Consumer complaint received 2017-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Go Capital Holdings, LLC (FL)

Approximately two weeks ago I checked my credit via XXXX XXXX and noticed that my car lender Go Financial had reported that my vehicle was affected by a natural disaster. I live in XXXX Florida and hurricane Irma did in fact have a impact on me. The vehicle that I am financing with them however was not impacted or affected by the hurricane. The only reason why I was alerted to this report is because I was looking at purchasing a new or used vehicle at a car dealership and the salesman asked me this report. I couldnt believe it! The salesman later informed my wife early this week that more people looking to buy a vehicle also had this on their credit report and that it was the same finance company Go Financial who reported it. The salesman advised that customers did not know as well as us. This report Did Impact The decision Not To Get A Loan with a good interest rate. The salesman advised that this company should be reported and that Go Financial did me No Favors with this kind of claim. Thank You!
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NJ)

Discover card opened an account for me on or about XX/XX/2019, the company decided to ask me to disclose financial tax information with them from the Internal Revenue Service through a provider they use which is XXXX, the same company who has had a data breach. I am not providing this information for an account that they approved with a measly {$500.00} credit limit. They can keep the account and close it, it is expected that if they decide to report this account to any credit reporting agency, that I expect it to report as " account closed by consumer ''.
Consumer complaint received 2020-10-21
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. (DE)

I have submitted several notices to Equifax regarding account XXXX XXXX that the account is fraud and after a several months they have not corrected the problem
Consumer complaint received 2020-11-30
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

XXXX, has received my credit card utilization 3 times in the month of XXXX from Capital One and each time has reduced my FICO score significantly. I have no other conclusion but to feel harassed and that Capital One is feeding XXXX with such information. Dates my credit card purchases, payments were reported during XX/XX/2020, are : XXXX, XXXX and XXXX, neither are in line with my billing cycle and both companies blame the other. 

In addition, XXXX has reported a 120 day late payment on an US Dept. Of Education loan as being 120 days late during the pandemic, reported from XX/XX/2020, when currently are payments to student loans are suspended and interest rate is at 0 %. why did it take them until XX/XX/2020, coincidentally when I started to try to repair my credit to report a 6 month old payment. 

Lastly, There are two accounts that I asked be VERIFIED, XXXX and an collection account in the amount of {$670.00}. Not only will they not provide information to validate these accounts to me directly, they keep reporting such information as accurate. Validation requires XXXX to provide my signature on documents that show my agreement to pay both companies, when the account was sold to collection, the date, amount it was sold for and proof that I owe said company. XXXX failed to validate both accounts in 30 days.Validating both accounts and removing them would increase my FICO score significantly and their failure to do so, would explain their reluctance. Also, they changed dates on both of thee accounts, so that they remain on my credit report longer. XXXX recently changed dates to XX/XX/2020, these dates enable them to keep negative items on your report longer than 7 years.
Consumer complaint received 2020-11-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (GA)

I Closed on my house almost 2 months ago XX/XX/XXXX. I had to pay my taxes at closing for the year, Approx {$6000.00}. Two weeks before I closed, SHELLPOIN MORTGAGE SERVICING also sent a check on my behalf to pay my taxes through my Escrow account. So essentially I double paid, except the county never cashed the mortgage companies check. So I called over a month ago to let them know that it wasn't cashed and if they can cancel their check and refund my money. They said they would put in a request. I called back today XX/XX/XXXX and they said they would need proof from XXXX County Ga that their check was never cashed. I asked how that was possible and they couldn't respond. I again asked them to cancel the check and they said they are not that department, that I could not speak to that division, and they would leave a note in the account. At this point they are refusing to refund my Escrow money and I need help getting it back. 
Thank You, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-26
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act -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 Has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer report agency can not furnish an account without my written instructions.
Consumer complaint received 2021-10-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Ria Envia, LLC (VA)

I have transferred {$800.00} to XXXX on XX/XX/ XXXX RIA took {$800.00} along with their fee ahead of time. 
Then I transferred {$1000.00} on XX/XX/XXXX for medical treatment. RIA took {$1000.00}, along with their fee on XX/XX/XXXX. However, Money did not go through until XX/XX/ XXXX I asked them to cancel, they did not cancel. So, I tried to resubmit and this time the money has gone through. However, they already took the money on XX/XX/ XXXX 
Surprisingly, RIA took another {$800.00} and {$1000.00} from account on XX/XX/XXXX. Please see attached from my bank. 

In short, I transferred a total of {$1800.00} plus {$2.00} fee, in total {$1800.00}. All the money was paid by me and my recipients also received their currency for {$1800.00} as {$2.00} is RIAs fee. 

But RIA has taken out the money twice from my account for a sum of {$3600.00} Since XX/XX/XXXX, I have written may correspondence and It seems they are trying to harass me and did not pay my money as to today XX/XX/XXXX, XXXX, My money was not returned. I have written so many times, I tried calling them, each time I had to wait for 30 -50 minutes and then they disconnect the call. 

Now, I will miss my mortgage payment, I must pay the bank fee for overdraft and tried to stop payment, did not work, but I have to pay the fee. RIA is responsible for these fees. RIA must refund my money immediately along with these fees incurred or will incur for their Ill business practice.
Consumer complaint received 2020-10-21
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. (PA)

I am writing this due to non-compliance with the CRA ( Experian ). 

They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.