davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

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 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 I looked at my credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

AND according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-06-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CORNERSTONE MORTGAGE, INC. (KS)

XX/XX/XXXX. Ch.XXXX - Medical hardship XX/XX/XXXX Initiated loan modification requests due to medical hardship XX/XX/XXXX Loan modification granted with provisions for escrow of property and home insurance. No breakout of interest vs. principal loan term extended 14 months to capitalize missed payments in Spring of XX/XX/XXXX during family medical hardship shared. XX/XX/XXXX, XXXX XXXX contacted Cornerstone on balance owed and pending home sale. XX/XX/XXXX and XX/XX/XXXX- sent requests to Cornerstone requesting monthly informational statements and only received payment coupon for the month. XX/XX/XXXX. Signing with title company to facilitate sale of home. Balance stated on payoff is NOT what was shared on XX/XX/XXXX phone call, a variance that is not explained in the payoff sheet. Home is scheduled to transfer possession on XX/XX/XXXX. XXXX XXXX / Cornerstone Mortgage even after the discharge on XX/XX/XXXX and repeated calls was not forthcoming in balances owed or payments made by owner. This has created an additional hardship as we close on our home.
Consumer complaint received 2024-10-14
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-09-03
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Financial Solutions of America Inc. (CA)

I went from making on time payments to my credit cards had a great credit score until I couldnt keep up and thought I enrolled in a debt consolidation that would help me pay off all my credit cards and I was paying a fraudulent debt consolidation call Financial Solutions of America a company that I was advised by a bank teller at XXXX XXXX XXXX in XXXX California now called XXXX XXXX, For 2 years I was making between $ XXXX {$500.00} a month payments. All started XXXX. I was contacted regularly through phone and email, I was advised to change banks, I went from XXXX to XXXX XXXX XXXX, I was also advised to stop paying my credit cards and ignore all letters and calls from creditors by the time I figured out I was being scammed I immediately told my bank and was reimbursed {$1000.00} back but they still managed to scam {$4000.00} from me leaving me with a bad report with the Credit bureau and now its affecting my ability to move forward with my future because my credit went down so low its been impossible to bring it up, Im hoping if I can prove I was scammed it may help my chances in recuperating my credit.
Consumer complaint received 2017-04-13
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (IN)

I received a Shop your Way sears/XXXX MasterCard in the mail that I never authorized or requested. I have called the number on the back of the card to report the fraud and tell them not to report this card on my credit report.
Consumer complaint received 2017-04-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

Agency is repeatedly reporting false information on consumers credit report. There has been no verification of contract or agreement between consumer and this creditor, therefore the collection agency should not be reporting. 
Verification of contract needs to be produced to verify obligation by consumer.
Consumer complaint received 2024-02-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (NV)

There is multiple transactions from cash app totaling {$1700.00}. I reported these transactions as unauthorized to the company Cashapp in time. The company then gave me a bunch of excuses in writing, that I cant do anything about it. Their support is less than helpful. I tried to dispute through my bank, but my bank is saying, I have to dispute through cash app due to the terms and conditions agreed upon when signing up through Cashapp. The bank and cash app are in violation of EFTA. My recent contact with cash app, they told me to contact my bank since I already filed the claim. My bank has already denied the claim as failed to send-mail correspondence on the claim. I suspect the bank and cash app are colluding against customers. Cash app refused to file a claim being that I already have a existing claim through my bank, even though that claim has been decided upon against me illegally according to regulation E. The bank and Cashapp are violating the consumer protection laws and are being arrogant and disrespectful about it.
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, 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. (MS)

I have a charged off account with XXXX XXXX XXXX reporting on my Experian credit report. The date of first delinquency shows XXXX of 2012. I am fully aware that there is a minimum of 7 years from the date of first delinquency before a negative item can be removed from a credit report. I also know that there is a thing called " early exclusion. '' I have successfully had this item removed from XXXX, and XXXX   for early exclusion. When I try and call Experian to do the same, they always tell me no and that they have never heard of early exclusion and that I would have to wait till XXXX. I would also like to note that this debt was forgiven with the Original credit granter. I am in the process of buying a home and need this item removed from my report. I am well within my rights as a consumer to have this item removed per my request, but Experian refuses to cooperate with me. Therefore I am filing this complaint.
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (SC)

The following hard inquiries were disputed because I did n't authorize them and they are non factual record : XXXX XXXX/XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX bank XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, conn credit corp 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, and XXXX XXXX XXXX/XXXX/XXXX. Instead of removing the non authorized hard inquiries with no associate accounts. A hard inquiry of an open account XXXX was removed. It only took one day to make a decision after the dispute was filed so one can only assume there was no investigation. I did not sign for anything this is unfair practice by a credit reporting agency with no concern for the consumer.
Consumer complaint received 2022-07-05
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. (NY)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX 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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I have never signed a HIPPA release form with the following alleged creditor : Alleged creditor : XXXX XXXX XXXX Alleged balanced owed : {$590.00}. 
Alleged agency : XXXX XXXX XXXX XXXX Therefore, these are inaccurate, HIPPA violations and I want this immediately deleted. HIPPA laws protect my personal medical information from being used without my concern and you are now aware of this HIPPA violations. Delete immediately.
Consumer complaint received 2024-01-29
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (GA)

We pay monthly electronically to Florida XXXX to be able to come and go through Florida and Georgia Highways with tolls. Georgia continues to send us toll violations in the mail, then they report us to the collection agency called XXXX XXXX XXXX XXXX. Then when I call XXXX XXXX XXXX XXXX, their system hangs up on me 4 times. It is impossible to get through to them to explain that this is a debt we should not owe in the first place.
Consumer complaint received 2024-02-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (KS)

On XX/XX/24 I went to XXXX  to inquire about a puppy. I submitted an inquiry request through the website. The next day, XX/XX/24, I received a reply via text and email. The phone number I was contacted from was XXXX. The email address I was contacted from was XXXX. XXXX XXXX is the man who contacted me. He said he was out of XXXX, New Mexico. We agreed on a price, and I sent him the money via Cash App. His Cash App name is XXXX XXXX. His Cash App ID is $ XXXX. I did not send him money to ship the puppy to my house. I was going to go pick up the puppy and leave on XX/XX/24. On XX/XX/24 I contacted XXXX XXXX about when I was planning on leaving and other information about the puppy. A few hours later I received a text and email saying that I needed to send him money to ship the puppy because he had a family emergency in XXXX. That's when I knew he was a fraud. I requested a refund and did not pay him the shipping. I reported to Cash App that this was a fraud and requested a refund. I have not received a refund from either party. Nor do I expect to see one.
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A hard inquiry showed up on my credit report from XXXX dated XXXX/XXXX/2016. All of my online research shows that XXXX is associated with XXXX or XXXX XXXX credit cards. I have not applied for any lines of credit within several months of this hard inquiry showing up on my credit.
Consumer complaint received 2024-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In my review of the credit report, I found some erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the XXXX and TransUnion credit bureaus must verify this account. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate and correct the errors for the following account listed on my credit report : XXXX XXXX XXXX Balance : {$5000.00}
Consumer complaint received 2024-01-29
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-08-14
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. (NC)

I've called and spoke to XXXX and Equifax and personally faxed and mailed to XXXX all bureaus stated it would be removed. 


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 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 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 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 reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-08-30
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. (FL)

On XXXX XXXX 2017 my credit report was access by XXXX XXXX XXXX for the purposes of mortgage with my consent I however do not agree with the XXXX report that two many enquiries within the last 12 months impacted my score. 
I have not requested for any enquiry or give permission to any financial body to check my credit apart from the one of XXXX/XXXX/2017 in the last 12 months The so called 'TOO MANY ENQUIRIES ' has negatively affected my credit score
Consumer complaint received 2024-01-29
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. (MA)

I am writing to file a complaint against Experian regarding inaccurate information on my credit report, which I initially brought to their attention on XX/XX/XXXX. Despite my efforts, I have not received a response from Experian to date. 

The details of the inaccurate information and the necessary corrections are outlined below : The following account was never late : Creditor : XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} Request : Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Request : Please remove the late payment. 

The following account was never late : Creditor : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} Request : Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$990.00} Request : Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$720.00} Request : Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} Request : Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$720.00} Request : Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2022-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (NJ)

I have a remaining loan balance of {$19000.00} for my student loans. I have requested a {$500.00} refund from my last payment because I am now eligible for {$20000.00} in one-time loan cancellation. I called and requested this refund and was instructed that I would receive the refund in 150 days and that I would be able to see this on my account online. This would mean I would receive the refund sometime in XX/XX/2023. Please note that other loan servicers are processing these refunds in a matter of weeks and not months. Since they are saying that my refund will be 150 days, this would be after the " one-time '' student loan cancellation. When I asked if this would still be forgiven since it's a " one time '' cancellation and they would not be refunding me and changing my loan balance until XX/XX/2023 ( after the cancellation ) I was directed to a website that had no information on the question being asked. I requested a phone call reference number or email confirmation and was told that I would receive no notices regarding my refund or account status. After researching this issue I see that many others are having the same issue and are finding out that the refund requests were never submitted by representatives. Since we are unable to submit refund requests online ourselves and can not see whether or not a refund request was submitted, there is no way to know if I will receive my refund or if the request was in fact submitted. This is unacceptable.
Consumer complaint received 2021-01-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

My husband and I were facing foreclosure in XXXX after I had lost my job and we got behind on all of our bills. We filed for chapter XXXX bankruptcy in XX/XX/XXXX. The trustee paid the pre-arrearage payments and we were supposed to pay the ongoing payments directly to the lender. Throughout the four plus years or the chapter XXXX repayment plan, we did miss some payments. Also the servicing of the mortgage changed twice. The most recent change took place in XXXX of XXXX when the servicing changed from XXXX to Carrington Mortgage. The loan was also sold to a new owner. Going by the statements that we received from Carrington starting XX/XX/XXXX, showed that we owed {$7000.00} plus in overdue payments. So we paid extra payments to pay that amount off before the bankruptcy was over. According to the statements we believed that we had made enough catch up payments to bring the loan current in XX/XX/XXXX. Then we received a final cure payment from Carrington stated that we owed another {$8000.00} plus in past due payments and fees. Our bankruptcy attorney said that he requested the ledger, but we never got it after two months. So I sent a certified letter requesting the ledger for the period of XX/XX/XXXX to current. I received the ledger from Carrington recently, but it only included information from XX/XX/XXXX to current. I then contacted a VA representative who said that he would try to get the information for me, but I havent got anything other than a loss mitigation packet and now notice of default dated XX/XX/XXXX. How can I determine if payments were not credited if they wont provide me the ledger? They also have not answered my question as to why the amounts past due changed from the XX/XX/XXXX statement to the XX/XX/XXXX statement. The bankruptcy was discharged in XXXX of XXXX.
Consumer complaint received 2019-03-02
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: ID Analytics, Inc. (OH)

I have attached my ID SS and proof of address mail for my identity. I NEED TO PLACE A HOLD OR FREEZE ON MY CREDIT FILE AND I NEED A COPY OF MY FULL REPORT. I found tons of information that is not right on my file. The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX My name is XXXX XXXX XXXX please remove any other name. 
My address XXXX XXXX XXXX XXXX, OH XXXX I choose to opt-out of your disclosing future information until further notice including the Ful Report and other furnished XXXX XXXX   inquires regarding all personal information.