davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (NY)

I was given a what I am to believe a predatory loan by a company who has just been convicted of giving out predatory loans to people who could not afford to pay the bills at the time, and I was unfortunately unable to pay my bills at the time because of XXXX I was given no hardship. Relief I was given no no no information on my loan after I was given the loan, I basically was given three pieces of paper assignment I walked out. I had no knowledge of who about my XXXX with or or anything else, I contacted the alarm company after they came and repossessed the car and they want me to pay them {$5000.00} and I can not pay that after getting contact with them. I try to see which ways we can work it out and theyre basically telling me that its my fault and I need to deal with it.
Consumer complaint received 2020-08-30
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: Experian Information Solutions Inc. (SC)

I recently noticed a lot of charges on existing cards I've had, so I started to look into all of it. My place of business was broken into and everything was stolen. Including my big safe that held all of my families socials, birth certificates, and cards my husband and I had paid off. We did that so we didn't touch them. Long story short I've attached a reply from XXXX  XXXX when I asked to have the account validated as being mine. It Has some other names and address, which I've never lived in Illinois ever. My point being how are they going to argue the fact and tell me they've sent bills to the address and the phone number proves to be mine. Are these companies able to put things on people 's credit without proving 100 % it's there's? Because my credit is suffering due to these " mistakes ''. It seems to me that they are aloud and able and do it. With a little investigation you can clearly see the name and address are nowhere near close to being mine. Nor have I ever lived in
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: STERLING JEWELERS, INC. (CA)

On XX/XX/2019 I submitted a payment through XXXX   payment portal. When making a paying the " Payment Source '' minimum payment value was XXXX because this value was nearly double what my normal payment was I assumed I had missed a payment. After further research I discovered I had not missed a payment so I called " XXXX XXXX XXXX XXXX, XXXX '' and spoke to a lady named XXXX who helped me the best she could. She agreed that I had not missed a payment but stated she could not refund me the amount I overpaid. It seems that their payment portal does not have a reliable minimum payment value for their drop down which could cause users to give the wrong minimum payment.
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian and XXXX are reporting the below student loan incorrectly and have not sent me a physical copy of a signed document showing that I opened the account specifically with this company. 

XXXX/DEPT OF ED XXXX XXXX XXXX XXXX, MO-XXXX This debt is showing up as a student loan and showing that I have a credit limit that has been surpassed. I need physical documentation that would show an actual credit limit extended by this company. 

This information needs to be removed immediately from all 3 credit bureaus according to the OBLIGATIONS OF FURNISHERS UNDER THE FCRA. 

If this inaccurate account is not removed from my credit report, it will continue to cause harm upon me and I will have my legal representation file suit.
Consumer complaint received 2019-10-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

On or about XX/XX/XXXX, we applied for a loan with Wachovia ( now Wells Fargo ) for a second mortgage. We entered into a contract on XX/XX/XXXX for a line of credit, in the sum of up to {$100000.00}. The contract consisted of a closing on the same date and we were advised that flood insurance was not required. We are informed and believed that the bank had an erroneous Flood Determination but in fact our house was in a Special Flood Zone Area. In addition, the mortgage claims a lien on XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX THE CITY OF XXXX, XXXX COUNTY, NORTH CAROLINA RECORDED IN XXXX XXXX XXXX, PAGE 17 when in fact our lot is XXXX, XXXX XXXX, XXXX XXXX XXXX, in XXXX XXXX XXXX, Page 17 and that lot XXXX is clearly not in a Special Flood Zone Area. This error clearly made the bank fail to comply with the National Flood Insurance Reform Act of 1994. 
In addition, and coincidentally, at approximately the same time we received notice from XXXX XXXX XXXX that our lot was no longer in a Flood Zone and that we did not need Flood Insurance. We  believe that the error regarding the lot number and because of communication between the first and second mortgage holders regarding the erroneous lot and flood insurance requirement, {$170000.00} worth of Flood Insurance expired. 
On XX/XX/XXXX, Hurricane Florence flooded our home up to the roof. The home remained under water for about a week due to the waters receding slowly and according to the DCMS Loss Verification Report by the Small Business Administration, the  home is irreparable based on depth and duration of flooding. Attached is all the supporting documentation.
Consumer complaint received 2023-02-08
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: EQUIFAX, INC. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (LA)

Common Wealth Financial Services is reporting to XXXX, XXXX XXXX XXXX that I owe a " Medical Debt '' to them for {$1300.00}. I have not signed any contracts with Common Wealth Financial Services. Nevertheless, Common Wealth Financial Services should not be in receipt of my medical information. This is a violation of my XXXX & subtitle D of the XXXX, SEC. XXXX. Enforcement of penalties against me is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXX and Clinical Health Act of XXXX ( XXXX XXXX ) as issued XX/XX/XXXX and the penalty rules of the FCRA and XXXX including FACT Act changes final rules effective XX/XX/XXXX.
Consumer complaint received 2020-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently noticed a lot of charges on existing cards I've had, so I started to look into all of it. My place of business was broken into and everything was stolen. Including my big safe that held all of my families socials, birth certificates, and cards my husband and I had paid off. We did that so we didn't touch them. Long story short I've attached a reply from XXXX  XXXX when I asked to have the account validated as being mine. It Has some other names and address, which I've never lived in XXXX  ever. My point being how are they going to argue the fact and tell me they've sent bills to the address and the phone number proves to be mine. Are these companies able to put things on people 's credit without proving 100 % it's there's? Because my credit is suffering due to these " mistakes ''. It seems to me that they are aloud and able and do it. With a little investigation you can clearly see the name and address are nowhere near close to being mine. Nor have I ever lived in
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have been trying to clean up and credit and I am getting no help from the credit bureaus. I have sent in disputes back in XXXX and to this day I still have not heard anything. A simple letter is not that hard to get out and let know what going on with the disputes I file.
Consumer complaint received 2020-11-29
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Orions Management Group, LLC (TX)

Orions management group has been calling me my family members and myself repeatedly since XX/XX/2020. They are also calling my place of employment even after I asked them to stop. They have asked to speak with my supervisor and were very rude to her.
Consumer complaint received 2021-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 30 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations included on my disputes on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. I am trying to purchase a house and this is becoming a heavy burden on my personal family Life. Please assist with this matter.
Consumer complaint received 2020-10-30
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: EQUIFAX, INC. (CA)

I check my FICO score through XXXX  XXXX XXXX frequently. 
Last month my FICO score was XXXX. 
Last night, XXXX 2020 my fico score was XXXX. 
This XXXX point drop alarmed me. 

I called XXXX  XXXX XXXX in hopes of getting some insight on what caused the decrease in credit score. I was redirected by my bank to order a credit report on XXXX I Requested all 3 Equifax, XXXX, XXXX  credit reports ( attached ) The report revealed : Two social security numbers, two names, and multiple soft inquiries. 

On XXXX 2020 I called each agency, representatives suggested calling the other agencies to find answers. 
Each agency said they did not see two social security numbers. 

Summary : NO EXPLAINATION for XXXX drop was given. Please explain why? 
Credit reporting bureau did not see two separate SSN. Please explain why? 

Still no answers. 

NOTE : My most recent activity was opening a XXXX  Credit Card. This was done in Early XX/XX/2020. However, my credit report at the end of XX/XX/2020 was still XXXX. Why was there a dramatic drop in XXXX with no late payments, no hard inquiries? Why is there an additional unidentified social security number?
Consumer complaint received 2020-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I check my FICO score through XXXX  XXXX XXXX frequently. 
Last month my FICO score was XXXX. 
Last night, XXXX 2020 my fico score was XXXX. 
This 30- point drop alarmed me. 

I called XXXX  XXXX XXXX in hopes of getting some insight on what caused the decrease in credit score. I was redirected by my bank to order a credit report on XXXX I Requested all 3 XXXX, TransUnion, XXXX  credit reports ( attached ) The report revealed : Two social security numbers, two names, and multiple soft inquiries. 

On XX/XX/2020 I called each agency, representatives suggested calling the other agencies to find answers. 
Each agency said they did not see two social security numbers. 

Summary : NO EXPLAINATION for 30-point drop was given. Please explain why? 
Credit reporting bureau did not see two separate SSN. Please explain why? 

Still no answers. 

NOTE : My most recent activity was opening a XXXX Credit Card. This was done in Early XX/XX/2020. However, my credit report at the end of XX/XX/2020 was still XXXX. Why was there a dramatic drop in XXXX with no late payments, no hard inquiries? Why is there an additional unidentified social security number?
Consumer complaint received 2020-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called and spoke with the person who answered. I repeatedly asked why my credit score was going down while everything I was doing was positive. He repeatedly skirted the question giving me canned answers. I asked for a supervisor 3X before finally being given over to one. The supervisor was absolutely no help as well. He could not answer or would not answer any of my questions or concerns. 

The only way I check my credit scores is through XXXX XXXX. I know this is not totally accurate but they should be close. Over the recent 14 days my credit score with TransUnion has dropped 4 pts. while XXXX has increased by 28 pts. 

This is what is found on XXXX XXXX at the present time XXXX XXXX Transunion XXXX XXXX XXXX A 78 pt. difference. 
Hard inquiries, 3 4 1 pt. difference Total Accounts. 
20 28 8 years difference Credit History 2.6 years 3.3 years .7 years difference Derogatory Marks 0 0 0 difference Credit Card Utilization 45 % 45 % 0 difference Payment History 100 % 100 % 0 difference I need answers to several very important questions 1. Why is TransUnion lowering my Credit score as  I pay bills down? 
2. Why does XXXX have 28 accounts while TransUnion only has 20?

3. Why does TransUnion only have 2.6 years of credit history while XXXX has 3.3?
Consumer complaint received 2019-10-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

My online banking account has been locked since XX/XX/2019 and after over 20 phone calls to HSBC, 5 non-responsive emails to their fraud prevention group, the issue has not been addressed. I have filed a formal complaint with HSBC on XX/XX/XXXX and they have not responded to my complaint nor addressed my issue. 

Since XXXX, I have not been able to log into my HSBC account and they also will not allow me to reset my password because they believe the account is fraudulent after I've had the account open since XX/XX/2019. 

I did not have any suspicious transactions into/out of the account but since it has been locked in XXXX, I am not able to close my account or access my funds. 

HSBC is literally the worst bank I have ever dealt with due to their poor customer service, lack of response, and lackluster compliance group
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Experian is marketing a product on their website that is deceptively disguised as a credit freeze/unfreeze. Currently I have a credit freeze on with Experian. I went to their website and created an account to temporarily unfreeze in connection with a loan application. Once on their website, under the " Protection '' page, I encountered a heading that states : " Your Experian file is unlocked '' I take that to mean my credit freeze had been released. In actuality, that statement has no relation to my credit freeze, rather, Experian is using this statement ( " Your Experian file is unlocked '' ) to scare people into buying an Experian product called " XXXX ''. This is a deceptive practice, it should be stopped.
Consumer complaint received 2020-10-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MEGASTAR FINANCIAL CORP (CA)

I have spoken to customer service in regards to unlocking my account to allow payments through the one time payment portal. Today I spent a long time on hold only to be transferred to a full voice mail. This company is forcing me to pay my mortgage by certified check without notice and or justification. 

This company will ignore that you exist and will make it clear that you are of no value and or concern.
Consumer complaint received 2022-02-28
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. (FL)

There is an account on my credit report that is not mine and was the result of fraud/identity theft ( XXXX XXXX XXXX  from XXXX of XXXX, as stated in the FTC identity theft report attached ). I noticed it in XXXX of XXXX at which time I disputed it with all credit reporting agencies as fraud. At the time, I did not know the proper way to fix identity theft with the credit reporting agency. I wasnt aware that disputing this fraudulent account wasnt the Way to fix ID theft fraudulent accounts. When I got the info back they were not deleting the account I spoke with an agent on the phone who informed me I needed to upload my FTC identity theft report ( which I had already filed the same day of the call ) which I did while I was on the phone and he informed me everything was in order. I received an email a few days later ( XX/XX/XXXX ) stating that in order to block fraudulent info they needed a copy of ID and proof of residence which I uploaded to them immediately ( see attachment of email, and ID ). I received an email on XX/XX/XXXX stating my results were in ( see attachment ). I logged in only to see that the account remains because the company ( XXXX XXXX ) stated the reported information was accurate. I went ahead and did another fraud report with experian, I sent all info in requested which they used to open another dispute on XX/XX/XXXX. I got three updates saying they were still working on it. Today XX/XX/XXXX I got an update it was finished. I log in again to see that they havent removed it because XXXX XXXX reported the information as accurate again. This company does not understand what they are doing. This is not a simple dispute, this is a FRAUDULENT ACCOUNT! according to the law they must remove fraudulent account within four business days. The problem arises when they noted this as a dispute and not an IDentity theft request to block under The Fair Credit Reporting Act Section 605b. The FCRA 605b requires credit reporting agencies, such as Experian, to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. They have done neither. The fraudulent account is still on my credit report and is keeping me from being able to apply for credit, among other things. This needs to be fixed, Ive sent in every single piece of information ( electronically and physically ) that the FTC said was required for this to be blocked from my report and Experian has still not done their due diligence. Please help! All relevant files have been uploaded including the Driver license and Social Security card info I sent them along with my FTC ID theft report, as well as the dispute results. Thank you for any and all help you can give me as this has upset me to no end. I have been in tears dealing with this.
Consumer complaint received 2017-12-11
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. (NJ)

XXXX credit inquiry 8 times in XXXX XXXX XXXX XXXX XXXX 2 times in XXXX XXXX
Consumer complaint received 2021-04-08
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. (NC)

I have returned to seek help with you Consumer Financial Protection Bureau because I have reviewed my credit report and I see that the credit bureaus continue to report inaccurate information in my report, and not only that, they have NEVER sent a response letter to me home. This makes me very sad since I have been working on my credit in order to buy my own house, I do my best to take care of my credit so that the bureaus do not take the time to investigate the information they report. Also, this month my credit score is lowered a lot and I don't see why, since I have no new debts, I have not applied for credit and I have not fallen behind with my payments. I want to know why my score has dropped. Thanks
Consumer complaint received 2020-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have personally attempted to work with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Transunion and also XXXX. I have continued to file disputes regarding a account reporting to my credit report at all agencies. XXXX  deleted the information as their investigation determined the information could not be verified. Transunion and XXXX  has continued to report this deleted information that XXXX  found as inaccurate or fraud. I have contacted XXXX via phone, XXXX and via their own dispute process but have been unsuccessful. After talking with XXXX they also state they have no account for me. XXXX says I would need to get Transunion and XXXX  to delete the info. The credit reporting agencies say it is verified and the responsibility of XXXX to update the information if inaccurate. 

PLEASE HELP!