davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-02
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: EQUIFAX, INC. (GA)

Hello and I hope you all are doing ok. Im reaching out to you all to let you know I went to apply for a XXXX with the bank and was not offered the XXXX  because of my credit. They advise to me take a look at my credit to see whats going on and I did that I saw some items on there that I dont know nothing about XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX. I reached out to the FTC and filed affidavit. Im doing this on my own. I also saw where a few people ran my credit XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-02
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. (GA)

Hello and I hope you all are doing ok. Im reaching out to you all to let you know I went to apply for a XXXX with the bank and was not offered the XXXX because of my credit. They advise to me take a look at my credit to see whats going on and I did that I saw some items on there that I dont know nothing about XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX. I reached out to the FTC and filed affidavit. Im doing this on my own. I also saw where a few people ran my credit XXXXXXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-09-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I submitted information to all 3 bureaus about bankruptcys on my report and XXXX  and XXXX have not followed suit abd equifax removed 2 and then readded the last one without a written notification again which i did not recieve! I have proof that these bankruptcys are not verfied by the courts and should be deleted along with all accounts included! Also equifax has continued to update and XXXX accounts that were closed! Like XXXX XXXX which was included in a chapter XXXX but us now reporting in a chapter XXXX!! Also all student loan accounts and all XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX, XXXX, Trans union all in violation of Family Privacy Act of 1974, 15 US Code 1666B - billing error. Theres no law stating any transaction needs to be reported. I want to ask them about privacy and consent? 15USC1681 ( b ) States all ( 3 ) bureaus can't report anything on my credit report with out my written consent. Which I never gave. 15USC1681 ( c ) -1 Without written consent, It is identity theft. 15USC1681c-2 Once notified which they were they must remove from credit report. They've also been making a profit off of selling my information with out my consent. Violation of 15USC1611 inaccurate information. This is effecting my ability to live. Credit denials because of this information on all of the bureaus.
Consumer complaint received 2019-11-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (CA)

Received initial contact by mail XX/XX/2019 from Resurgent Capital Services, L.P.

Mailed a Cease and Desist letter XX/XX/2019. 
Received second contact by mail XX/XX/2019. 
Mailed a second Cease and Desist letter XX/XX/2019 with tracking/delivery/signature information for the original Cease and Desist letter from XX/XX/2019 demonstrating that they received the previous Cease and Desist letter and to once again, cease and desist all communications with me. 
Received third correspondence by mail XX/XX/2019. 
Will be mailing another Cease and Desist letter informing them of their violation of ignoring my previous Cease and Desist letters and include the tracking info for both prior letters.
Consumer complaint received 2017-09-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (IL)

XX/XX/XXXX XXXX XXXX, In the beginning, a week after the vehicle was purchased the engine light immediately popped on. Asked for a trade in was denied. A little time after a problem occurred with the wheel Barron 's  and O2 sensor in XX/XX/XXXX. After that occured one of the particular rims bent and had to get a new rim in XX/XX/XXXX. From XX/XX/XXXX -XX/XX/XXXX the engine light constantly popped on and off and brake light began to pop on. In XX/XX/XXXX had to get wheel Barron hubs done again, front brakes, and side brakes .In XX/XX/XXXX purchased new tires and tire pressure sensor went out on entire left side of the car. In XX/XX/XXXX A/C went out and Car started leaking. In XX/XX/XXXX car began to shake. In XX/XX/XXXX had to get front and side brakes done again. InXX/XX/XXXX engine began to jump every time I shifted gears. Currently XX/XX/XXXX, engine light on ( engine still jumping every time I shift gears ), tire pressure light on ( entire left side pressure sensor is n't reading ), car shakes when showing down or when press on brakes, cold air blowing out hot ( leak in the a/c ) Interest rate increased to 28 %!
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc. (NY)

My credit rating is over 782 with XXXX. XXXX, XXXX, and XXXX XXXX all say in individual reports is good. However XXXX rejects for credit card cant tell you why they blame XXXX XXXX   have to wait for letter. Get the letter XXXX blames Sagestream they says XXXX. 

Sagestream doesn't return calls or emails been calling since XX/XX/XXXX. 

XXXX and XXXX just blame SageStream If you look online and search Sagestream there are hundreds of complaints saying Sage stream reports low credit scores so lenders can charge higher rates. That appears to be true. I don't need or want the card now. However if they report out XXXX on someone with XXXX imagine what they do someone with average credit. This appears to be fraudulent behavior by XXXX XXXX  and Sagestream to charge higher rates by saying people have lower credit.
Consumer complaint received 2021-03-31
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. (TX)

I was looking over my credit report and saw that XXXX XXXX XXXX XXXX was listed on my credit report as a repo/ charged off account in the amount of {$18000.00} for a 2009 Cadillac I have never owned or applied for a loan on one. I've contacted the credit bureaus and the company and they say the account is mine, and it is not! I've disputed it several times and nothing gets resolved. I don't know what to do!
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (GA)

I contacted Bridgecrest several times, the last time was XX/XX/XXXX asking them to update wrong information they were reporting on my account. Bridgecrest has reported that they last receive a payment from me XX/XX/XXXX when I have made multiple payments. Bridgecrest show that I am 30-60 days late on my account and I am not. Bridgecrest also states that I have been 79 days past due which is a lie. I got COVID extensions from Bridgecrest which stated I would not be penalized credit wise. Bridgecrest has a history of inaccurately reporting on consumers files.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

From what I understand about FCRA 605B, we have to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? Some of the accounts listed are incorrect, and it's unsettling me.
Consumer complaint received 2022-04-06
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. (GA)

the Credit Bureaus never did a proper investigation according to the FCRA. 

The term " Investigation Consumer Report '' means a consumer report or thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained with personal interviews with neighbors, friends or associates of the consumer reported on or with others whom he is acquainted or with whom who may have knowledge concerning any such information. 

They did not take these steps to validate Even more violated my rights According to the fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The credit bureaus reported information as accurate, but how so when the date open is inaccurate, date last active inaccurate, payments are inaccurate, payment history inaccurate and date last reported is inaccurate. I have written documents stating a account was removed but the bureaus says its accurate. This is grounds for removal. 

Thy also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions. 

i did not give anybody written instructions.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
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
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK (TX)

My Discover card company filed a dispute chargeback in XX/XX/XXXX. There was fraudulent activity on my account and the issue was resolved in my favor however the chargeback was reported to all the credit bureaus and my score dropped 40 points as a result thereof. 

I called Discover card immediately upon finding this out in XX/XX/XXXX. Discover said that they sent a letter requesting for that to be removed to all 3 credit bureaus. I see that my score is still not reflecting this correction. 

How do I get this removed? Discover has sent another letter today and said all three bureaus should be receiving it within 24 hours. Please advise.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

For each of the last three days ( XXXX XXXX -XXXX, 2017 ) I have attempted to place a credit freeze with Equifax due to its security breach. After I entered my information on the Equifax 's website, I reach a screen that says the credit freeze service is unavailable at this time. I attempted to call Equifax to try to achieve resolution, but got only recorded messages that provided no help. I would like you take action on the behalf of myself and others to require Equifax to make credit freezes available when people ask for them. That 's the very least Equifax should be expected to do to prevent damage resulting from the security breach.
Consumer complaint received 2017-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Citi bank Costco Visa advertised No foreign transaction fee. I was charged foreign transaction fee on restaurants, hotels, etc. for transactions occurring in XX/XX/XXXX 2017 in XXXX.
Consumer complaint received 2021-07-02
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. (NV)

I am writing this due to non-compliance with the Transunion, XXXX and XXXX 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 by failing to maintain the accuracy of my personal information. 

I have made several attempts at correcting this matter. They have ignored my request to investigate.
Consumer complaint received 2021-03-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (GA)

I made prior payment arrangement with XXXX and unknowingly to me, Medical Data System has begun reporting debt. I completed the monthly payment arrangement with XXXX on XX/XX/XXXX that I initially started paying in XX/XX/XXXX. In addition, I never received notice of this debt from XXXX XXXX XXXX. The only contact I've had with them was on XX/XX/XXXX and I called them to inquire about removing three prior medical debt collections from my credit report that was paid in XX/XX/XXXX.
Consumer complaint received 2017-09-14
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)

In response to the XXXX Security Breach and to protect myself from identify theft, two days ago, Tuesday, XX/XX/XXXX, I froze my credit reports with XXXX, Experian and XXXX. I accomplished this online for XXXX and XXXX, and by phone for Experian. At the end of the call with Experian, a recorded voice told me Experian would mail me my PIN number. As you may know, a PIN number is the only way a consumer can unfreeze their credit report. If I were applying for credit, to  include renting an apartment, and the lender used Experian, I would be in a bind to say the least. Today, Thursday, XX/XX/XXXX, I called Experian at XXXX ( XXXX ) XXXX to find out when they would mail me my PIN number and when I would receive that information in the mail. I was on hold for more than an hour, and never spoke to a real person. I would appreciate the CFPB assisting me in contacting Experian and finding out when Experian is mailing my PIN number and how soon I will receive it. Thank you for your assistance, which is greatly appreciated.
Consumer complaint received 2021-07-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MD)

I was on a forbearance plan, I bought myself completely current and told customer service to take me off the forbearance XX/XX/2021. 
They told me it takes 24 hours. As of today I am still current on my payments, working and still on the forbearance. I want Amerihome Mortgage Company to stop reporting the wrong information on my loan. Please put my account back into good standing and most of all release me from the forbearance plan as of the day my account was paid and current.
Consumer complaint received 2021-03-31
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

For a company that prides themselves on customer service, the service has been very sub-par. XXXX XXXX has been the only reliable employee throughout this entire process. I started my 2nd refinance with XXXX around XX/XX/2020. My file was handed off to 2 different loan officers, both who were not communicative and very hard to reach. The only reason that I learned that my file had changed to someone else is because of me calling to follow up. The amount of time its taken to move this process along has been unacceptable. I call and leave messages with the appropriate personnel and no returned phone calls. The straw that really broke the camels back is that after 5mos of this refinance process, I had a XXXX appointment with the notary and Loan Depot still has not sent them the final docs so therefore they were not able to fulfill the XXXX appointment time with me. I even took off from work to be home on time for the notary. This is inexcusable conduct, etitquette, and service from Loan Depot and I look forward to hearing how one can find that acceptable.
Consumer complaint received 2021-01-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

In the beginning of XXXX Bank of America allowed someone to open an account in my name online. I was informed of this when a statement was delivered to my residence. Immediately, I called to find out how this happened. After filing a complaint with them, I was informed that the account had been on XX/XX/14 ; however, in the early part of XXXX I received another statement from this account. I called Bank of America again and was reassured the account was closed. On XX/XX/XXXX, I mailed them a certified letter demanding that they immediately close this account. It is XX/XX/XXXX and I have not heard anything back yet.
Consumer complaint received 2016-03-01
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (GA)

I sent a Western Union money order to my banker at XXXX XXXX XXXX Att : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Website XXXX Tel:XXXX Sent on XXXX/XXXX/16 MTCN # XXXX. 
Western Union comfimed it was pick up from the Money Shop at at XXXX XXXX XXXX XXXX XXXX At XXXX/XXXX/16!! I attched a document from the XXXX XXXX that they do not have a location at that address and does not know about any such money order!!! 
Western Union told me they would refund in 7-9 days, it 's been to longer than they said and I have heard anything from them. I have had to resend the amount this week in order to get my business completed!!! Please help me get my {$880.00} returned to me. 
Thanks For All Your Help!!! 
XXXX XXXX XXXXXXXXXXXX - XXXX
Consumer complaint received 2021-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (NY)

I was getting increased and harassing collection attempt calls from American Express about an account I did not recognize. They called my house after XXXX and my relatives house about this debt which is a violation of the FDCPA. I also noticed it on my credit report and I contacted American Express ( AMEX ) by letter telling them about their incomplete inaccurate and unfair reporting of this account and that I did not recognize this account on XX/XX/XXXX with no response. On XX/XX/XXXX, and XX/XX/XXXX I wrote them letters for not responding and violating the FCRA and not reporting to the Credit Reporting Agencies XXXX, XXXX, and XXXX that I disputed this account with no response each time from AMEX regarding this account. I did however receive a letter from a collection company named XXXX XXXX XXXX, XXXX  They claimed they are trying to collect a debt from AMEX and for me to reply if I did not recognize the account. On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX disputing this erroneous account with AMEX and requesting that they produce verification proof according to Federal and State Law in the form of a contract with my signature. On XX/XX/XXXX I then sent another letter to XXXX XXXX XXXX that they did not produce valid proof according to the law and to have no further contact with me about this account and if they did I was going to file a complaint with the CFPB, my State Attorney General 's Office, and the better business bureau. Since then they sent another package of Statements of this account with my name on it but no contract with my signature. Neither XXXX XXXX XXXX or AMEX produced a contract with my signature on it to verify and prove this account was mine by the standard of Consumer Federal and State Law. I was sent statements by XXXX XXXX XXXX that I did not recognize with my name on it but not contract with my signature that I entered into an agreement for credit with AMEX. I have seen plenty of complaints against both AMEX and XXXX XXXX XXXX for harassment of consumers by breaking the FDCPA and with other people complaining of similar terrible treatment and inaccurate reporting and them breaking the consumer federal and state law of not responding in 30 days.
Consumer complaint received 2021-03-31
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit continues to call my phone number after my written statement to stop all calls. Midland Credit continues to call before XXXX, most recently at XXXX pst. 

It has been proven the numbers that have been calling me DO IN FACT BELONG to Midland Credit and they have continued to call when they stated to the Consumer Financial Protection Bureau they would only be contacting me by mail as well as discontinue calls before XXXX. They have NOT done as they stated they would. All documents are provided.
Consumer complaint received 2022-04-06
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 Account # XXXX XXXX XXXX XXXX  Original account : XXXX XXXXXXXX XXXX  XXXX, has violated my rights. Also Account # XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the to privacy. 

XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions These Accounts are also being reported inaccurately as open and as a past due accounts According to FCRA I have a right to a accurate credit report.
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

TransUnion is Illegally and Knowingly reporting inaccurate information. 


( 1. ) This account is Charged Off, XXXX XXXX are illegally reporting a Past Due Amount of {$14000.00} ( 2. ) This account is Charged Off, XXXX XXXX are illegally reporting a Balance of {$14000.00}