davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-07-21
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: CITIBANK, N.A. (CA)

On XX/XX/2020, there was a hard inquiry that hit my report from The Home Depot/Citi Card. I have called Home Depot and on the first call they were able to locate the application and flag it by pulling up my social security number. I then tried to dispute it with XXXX  and it came back that the findings were factual and that if it was incorrect I needed to contact The Home Depot and Citi Bank. When I called back Home Depot they were unable to find anything with my social security number so they told me to call Citibank. I called and they were unable to find anything with my social as well. I was sent going in circles trying to call Home Depot, Citibank, and XXXX, all unable to help me get this hard inquiry off of my account that absolutely doesn't belong to me. I never applied for anything with Home Depot or Citibank. It seems that the inquiry is pretty much stuck in limbo, since there was never an account opened. Nobody has been able to help me and I don't know what else to do to get this hard inquiry removed. I also sent letters to the credit bureaus requesting that this dispute be removed. Please help me!
Consumer complaint received 2024-02-21
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. (CT)

I have contacted Transunion that these accounts are not mine MULTIPLE TIMES. I am a victim of fraudulent accounts not being removed from my credit report. I have attached my identity theft report here as well as the civil action lawsuit against the company. I have also submitted a complaint with my STATE ATTORNEY GENERAL since this account has not been removed from my report after multiple attempts. 

XXXX XXXX XXXX  has had a similar issue reported to the Supreme court in a lawsuit lawsuit against nine defendant banking and debt-collection institutions on XX/XX/year>, alleging that each defendant reported inaccurate and derogatory information related to her credit card account and failed to correct their errors after receiving notice of plaintiff 's disputes from the credit reporting agencies, all in violation of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( " FDCPA '' ), 15 U.S.C. 1692 et seq. See generally XXXX XXXX. XXXX, XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX. 

These are accounts are not mine need to be removed IMMEDIATELY. The credit bureaus and credit card company is in violation of 15 US Code S 1681-c2. It has been more than 30 days and you are in violation of this law because I am a victim of identity theft. Please remove these accounts immediately from my report.
Consumer complaint received 2022-09-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I had a loan with XXXX XXXX XXXX from XX/XX/XXXX and paid the loan off in XX/XX/XXXX. I paid the monthly payment of XXXX every month on the same day for the entire time I had the loan until it was paid in full. However, on my credit report, XXXX XXXX reported I was 30 late on the XX/XX/XXXX payment and 30 days late on the XX/XX/XXXX payment. 
Since this loan was on auto-pay, it was paid on time and monthly payments were always made. I only recently discovered they reported incorrect information to XXXX, XXXX, and Transunion as I am dealing with another problem affecting my credit. The credit agencies have been all but impossible to deal with. I've spent hours on the phone and with supervisors, the same with XXXX XXXX.
Consumer complaint received 2024-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (CA)

My mortgage was sold by XXXXXXXX XXXX to Freedom Mortgage. Both companies provided me with transfer information such as how to make payments to the new mortgage holder, what to expect and that this was a normal business transaction. 

Neither company informed me that I had the burden to provide Freedom Mortgage with proof of insurance. I find this to be very poor business practice ; it provides the opportunity for Freedom Mortgage to make a profit on house insurance, scamming the homeowner ( me ) into buying unneeded insurance. 

I pay for my house ( hazard ) insurance in full, annually. I paid for it well before the due date of XX/XX/2024. Freedom Mortgage was not notified that I purchased this insurance covering the equity, the house for which my mortgage loan is made. 

Freedom Mortgage, assuming that I had no house insurance informed me by letter, dated XX/XX/2024, that they would " purchase an insurance policy '' for my property. 

On XX/XX/2024, returning from vacation and finding the notification from Freedom Mortgage, I called them and spoke with a " XXXX '' in their insurance department. While on the phone with her, I called my insurer and switched my coverage to name the mortgage holder from XXXX to Freedom and was told by my insurer and by Freedom Mortgage that this notification came through to Freedom Mortgage. 

I asked to inform a supervisor about this problem and XXXX XXXX connected me to a woman named " XXXX '' or " XXXX '', I am not sure of the spelling. 

" XXXX '' was firm in stating that Freedom Mortgage had no responsibility in asking or reminding me to provide them with proof or insurance on the mortgaged property. I insisted that she take my complaint as a recommendation to more clearly do so. She agreed to do that. 

I can provide the letter from Freedom Mortgage dated XX/XX/2024, entitled " Welcome to Freedom Mortgage Corporation '', which has no mention of the need to change house insurance coverage. 

I am dismayed that consumers are not better informed of the steps to take during a transfer of their mortgage.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (OR)

I received an Elan prepaid card from the Oregon XXXX. It has now been declined for the last 48 hours. The web-site is down and when I used the automated phone system, it said the 3 digit security code did not match their records. I have now been on hold for 25 minutes trying to reach a live agent. This may get resolved with Elan, but the fact that this happened at all is poor.
Consumer complaint received 2018-07-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp (WA)

I received an offer letter stating that I was pre-approved for a personal loan of " up to {$20000.00} '' and provided me with a special code to use to accept my loan. Then, when attempting to " accept '' the loan on their special website, timely submitted before the deadline, they denied my " acceptance '', even though " pre-approved '' and even though my credit scores were all higher with all three bureaus than on the day I received their offer letter.
Consumer complaint received 2022-09-14
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. (WA)

This complaint is aimed at the three credit bureaus ( XXXX, Experian, and XXXX ). 

Although the actions described below are legal according to the Fair Credit Reporting Act ( FCRA ), the result of the misuse of credit reports and personal information creates an undue hardship for consumers. 

My situation began on XX/XX/2022. 

I had submitted a loan application with a local mortgage lender, and got pre-approved. My credit is solid, and my household income allows me to afford a home purchase. 

Following being pre-approved, I was bombarded with solicitation calls and text messages. On Monday, XX/XX/2022 I received about 37 calls from different lending institutions soliciting me for my business. Let me repeat that ; OVER 37 CALLS!! That's insane, and I've never experienced something like that before ; certainly not when I bought my last home. 

I am filing this complaint as a record because I will also be reporting them to the XXXX as well as writing my congress person to speak about change. These companies need to know their place in society, and selling consumer information for a profit is not where they belong.
Consumer complaint received 2022-09-14
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Chime Financial Inc (NY)

XXXX XXXX I Mobile Deposited a check from my Job with Chime because i did not want to wait a whole week for my next check. and They suggested i cash in the check While they cancel it. I ended up getting doubled paid and having to pay XXXX {$620.00}. And now im on the verge of losing my job due to a situation that wasnt my fault.
Consumer complaint received 2024-02-22
Product: Credit reporting 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. (GA)

I was checking my consumer report and I saw a bunch of credit inquires that I did not recognize. 
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 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

On XXXX, I noticed that my credit score with XXXX, XXXX, and Experian dropped from XXXX to XXXX despite no change in my credit report. I contacted all 3 by phone and only XXXX was able to fix this drop, stating it was because there was an erroneous dispute from my bank XXXX XXXX XXXX XXXX ) on my credit report, they removed this and the score went back up. My score with XXXX went back up on it's own. Experian could not tell me what was wrong via phone. I submitted a dispute via their website to ask for details why the sudden drop with no change to the credit report, and this did not result in any information. My credit score with them as of today ( XXXX ) remains at XXXX.
Consumer complaint received 2020-07-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, USDOE/XXXX  Company Inquiry : XXXX XXXX
Consumer complaint received 2018-07-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: World Omni Financial Corp. (FL)

I cosigned for a vehicle for my roommate. He had a good paying job and I was taking him back and forth to work. He was turning his life around and tried to assist him by helping him build his credit and assisting him in getting a vehicle. He had occasional trouble paying but I would help him when I was alerted of the trouble. 

My roommate moved in with his girlfriend and I thought he was making payments. Then one day I woke up to a call from my former roommate that his car was gone. It had been repossessed. I called XXXX XXXX XXXX in XX/XX/2017 to ask what had happened as I had never been alerted to any late payments or a pending repossession. I let them know that if I had been alerted I would have made the payments. They did not create a plan for me to get the vehicle back, only kept repeating " You should have made the payments. '' I was alerted that I needed to go to a hearing on this matter. It turns out that they could not find my former roommate so they were going to make me responsible for the entire remaining principal debt after resale of the car ( {$14000.00} ), attorney 's fees ( {$750.00} ) plus cost ( {$430.00} ), and pre judgement interest ( {$370.00} ) totaling {$15000.00}. 

I do not feel that I am responsible for this debt as I tried to make arrangements with them to make payments. I also feel that I should have been alerted when the account was in jeopardy. Finally, If anyone is to be responsible for these payments I feel it should be the primary borrower. The only reason the court said I am responsible is because I was a good citizen and showed up. Since they can't find the primary ( even though I told them where he was XXXX they said I am fully responsible for the debt.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CO)

Subject : Chase credit card reporting late payment I have two Chase credit cards and on one of them, it was reported late payment on credit bureau because of which there was a big drop in my credit score. Payment was of {$11.00} I was in XXXX XXXX Military Service from XX/XX/2022 to XX/XX/2022 and I had very limited access to my phone. I cleared all my payments on XX/XX/2022 before going to XXXX XXXX. I even set up an Auto Payment for both of my cards to prevent late payment. During the XXXX period, As soon as I had an access to my phone, I checked all my credit cards and saw late payment on chase and paid {$11.00} immediately on XX/XX/XXXX. Looks like Auto Payment feature didn't work for chase credit card. After I was done with my XXXX XXXX, I checked my credit score and found that there was a big drop in my credit score because of the late payment reported by Chase Credit Card Service to credit Bureau. I never had a late payment history as well. Called chase credit card customer service regarding this issue and does not seem to be interested to help on it.
Consumer complaint received 2022-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

LVNV Funding LLC is using Resurgent Capital Services to contact me without my prior written consent about an unverified debt that is not owed. LVNV funding LLC is in direct violation of my consumer rights pursuant to the Fair Debt Collection Practices Act. LVNV Funding LLC has no business transactions with the consumer and now is a debt collector acting as a creditor. I do not consent to this harassment by LVNV Funding LLC. I do not have a contract or any transactions of credit with this agency. I previously served this company with a Cease and Desist from contacting me with false and deceptive forms that they made up of alleged debt. LVNV Funding LLC claimed to verify this allege debt with a false and misleading form. Verification is a sworn statement under the penalty and perjury of law of first hand knowledge and facts that I owe this alleged debt. This communication is unwarranted. Federal litigation will begin soon for direct violations from this company. Statement from another company is not verification. LVNV Funding LLC is committing mail fraud through interstate commerce. XXXX XXXX has given my nonpublic information out to this company without my consent. This contact from them is causing me significant harm and stress to my life and financial hardship.
Consumer complaint received 2018-07-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (IL)

I have been charged 3 times overdraft fees for insufficient funds. I get the alerts a day after the fees have hit. Both alerts have been text and emails which have been a day or 2 late. Bank states that it's my fault that I should have paid more attention to account. Why have alerts yo help me when the alerts dont really help. I would have transferred funds from another account if I knew.
Consumer complaint received 2024-04-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (DE)

I have reached out to First Progress Card ( Synovus Bank ) because they are inaccurately reporting an account as a current charge off in XXXX and XX/XX/XXXX but the account was closed and paid in XXXX. I reached out to First Progress to have this corrected. They stated they updated my credit report but did not correct my XXXX report. I have been waiting for over 30 days for this correction to be made and at this point I have missed out on opportunities to open a checking account and other credit products because this reporting that First Progress admitted was incorrect has dropped my credit score by over XXXX points. This unfair reporting is now impacting me financially. I have filed a credit dispute and filed with the BBB with no correction to my report. Attached is the letter from First Progress admitting the information was inadvertently reported. Please delete this inaccurate reporting.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (AZ)

For the last 4-5 months it's been the same runaround. I reported my card stolen and tried to request a new 1 the system denied me so I spoke to a rep. That told me it was a security issue the system couldn't authenticate me after 2 years of my business and to build a better payment history try again in 30 days. Well it's been 4 months of trying every 30 days and still nothing.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PLANET HOME LENDING, LLC (MD)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-02-21
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. (IL)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2018-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I started making student loan payments to Navient on XX/XX/XXXX by the amount of {$87.00}. This amount was the repayment plan that was provided by Navient. The amount was an automated payment from my checking account. I've been paying that amount for almost 7 years. Last month XX/XX/XXXX, I received a letter saying that they did an audit and found that I need to start making bigger payments to meet the payoff date of XX/XX/XXXX. The new amount will be {$190.00}. This is more than double the amount I was paying for the past 7 years. I called to find out more information and see if I did something wrong. I talked to the first representative and her supervisor and they both said the same thing. They performed an audit and found that my payment needed to be increased. For the past 7 years I was making payments that they told me to make. What ever information they had to calculate the repayment plan did not change. If a mistake was made on their part, they should have found out sooner, not 7 years later. If they found out earlier, I would understand my payment increasing by a little bit. But since the mistake was found 7 years later, it ballooned my payment to more than double. I don't think this is fair and this large amount will be a burden on my family financially.
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

This information is in regards to a check that I deposited to start a company to start a home business they told me to go deposit the check it was a XXXX XXXX XXXX and told me to all the places to go to buy software and computers and things like that so when I did Bank of America automatically close my account I did not know this was a fraudulent company so now it's keeping me from opening any account here XXXX where I live now I have a checking account in XXXX XXXX but I can not use it for my job 's over here