davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
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. (FL)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumerXXXX 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 2021-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2019 someone was trying to finance a car in my name without my knowledge ... As a result of that I see several inquiries on my credit report that are not mine ... upon getting a paper XXXX of my credit report I have kk these inquiries I did not do myself nor give anyone permission to run my credit. 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 called each credit bureau and they as told even though it was fraud because I didnt do it myself or give anyone permission that they were not going to remove.. I also called the police to make a police report and was told since no account as opened they couldnt find a report ... I am requesting all these inquiries be removed from all 3 credit bureaus ...
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

On Monday XXXX, XXXX  I learned that my USAA checking account had funds withdrawn using a debit card mailed to me from USAA and was delivered via XXXX to the apartment building where I live. XXXX left the envelope in the mailroom without informing me of that fact. Someone had taken the XXXX envelope containing my Debit card and was able to activate the card and charge 24 fraudulent transactions totaling {$610.00}. I immediately informed my bank ( USAA ) of the fraudulent transactions and filed a formal complaint rather than crediting back to my account the amount of the fraudulent transactions, USAA wanted me to wait up to 45 business days for them to finish conducting an investigation, while at the same time charging me {$29.00} insufficient funds fee. Because USAA is denying my requests to credit back to my account the amount that was fraudulently taken from my checking account USAA is effectively denying access to my funds causing me financial distress and causing me not to able to pay my bills.
Consumer complaint received 2024-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: REGIONS FINANCIAL CORPORATION (NC)

Regions Mortgage told me they paid my property taxes in XXXX, XXXX. In XXXX, XXXX I received notice from XXXX XXXX ( NC ) that mt taxes were delinquent, I contacted Regions Mortgage and I found that they paid taxes on the wrong parcel. in the following two months I have received notices from the county threatening me with a tax sale and Regions will not pay the tax even though they been collecting money to escrow for that purpose. I got a phone calll today from Regions XXXX Department telling me that theyre looking into the issue with no indication that they will resolve it anytime soon.
Consumer complaint received 2023-04-04
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)

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 reportsno consent is fraud. DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATION/XXXX  XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATION/XXXX  XXXX Date Open XXXX XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATION/XXXX XXXX Date Open XXXX XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATION/XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATION/XXXX  XXXX Date Open : XX/XX/XXXX Balance XXXX {$0.00}, and DEPT OF EDUCATION/XXXX  XXXX Date Open : XX/XX/XXXX Balance XXXX {$0.00}. Please remove this account ASAP as this was result of fraud.
Consumer complaint received 2022-04-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is a dishonest company that sells online services that don't work, has an unhelpful staff, and provides incorrect financial data. They have been damaging my credit and reputation by posting false financial information and unverified accounts on my profile since 2019. 

My Transunion credit dropped XXXX points after I was able to remove two derogatory accounts from my credit report. 

I paid off thirteen accounts with revolving debs reducing all my balances to XXXX, removed two derogatory accounts that were listed on my profile, and they did not favorably update my credit score as I expected. My score inexplicably decreased by XXXX points. Transunion has caused extreme harm because of its faulty financial surveillance business model. 

Inaccurate payment history information prevents me from obtaining the credit that I'm trying to apply for because it's lowering my credit score.

This complaint is being sent to you in response to TransUnion 's erroneous reporting of financial information and the highly negative impact on my credit report.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Consumer complaint received 2020-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

When XXXX XXXX XXXX  sold Mortgage Loan to Rushmore Loan Management Services Inc. the said company resumed the demand to pay the outstanding balance for the mortgage loan which I already mentioned to them I am not behind on mortgage payment. So I submitted supporting documents to support my statement. From this submitted supporting documents, a Staff was assigned to resolve the issue. her name is Ms. XXXX XXXX. After talking and explaining to Ms XXXX about how the issue or problem was developed, she apparently shown a deeper understanding on how to resolve the issue. I requested to get all the phone record of conversation while I am making a payment over the phone every 2nd Tuesday or Wednesday of the month. Ms. XXXX promised she will do so but after almost two weeks past, Ms. XXXX was removed from her assigned duty. instead I got letter from Rushmore about the information provided by XXXX XXXX XXXX were correct. The question how can it be correct when our Mortgage statement last XXXX and XX/XX/2013 were current. In fact two loan mortgage payment were recorded on our property and yet the XX/XX/2013 mortgage statement shown we were 2 months behind then XX/XX/2013 we were 3 months behind? The question How? when two mortgage payments were recorded on XX/XX/2013 then there was record of payment for the month of XX/XX/2013. Do they know really what they were talking about?

This problem they are just dragging it around make me very stupid like I don't know what I am complaining about.
Consumer complaint received 2019-09-27
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: EQUIFAX, INC. (CA)

I am a victim of identity theft. I have tried, to no avail, to dispute my fraudulent accounts to Equifax. I have repeatedly ( 4 attempts ) provided them with all the necessary documentation including my Identification card ; social security card ; police report ; FTC affidavit ; and a notary attesting to my identity. They still refuse to abide by the FCRA by blocking within 4 days information reported resulting from identity theft. They simply continue to report the fraudulent information. 

According to the Fair Credit Reporting Act 605B Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (TX)

I have asked 3-4 times for a copy of a rewards letter ( XXXX XXXX ) that was earned. Every time i was told it shouldn't be a problem and another team needs to investigate. Nothing has been done and the XXXX XXXX does expire
Consumer complaint received 2018-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Experian Information Solutions Inc. (WY)

We signed into XXXX XXXX XXXX, on XX/XX/XXXX.. We paid the {$1.00} ea. Then on XX/XX/XXXX, we were billed {$29.00} each. The frustration comes in when not one phone number allows you a live person to get a refund or cancel.And online you cant do anything automation wise without a membership number.I tried many hours daily, up to XX/XX/XXXX. to figure this out. I finally went to my bank and had my debit cards canceled and then re- issued. Which takes a few days and gets you out of the date range for a refund.I believe this is poor customer service.
Consumer complaint received 2022-04-29
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. (TX)

this letter to inform you that you have violated federal law and federal regulations ( 15usc 41 ) Look i sent letters via certified mail to the XXXX credit bureaus on XX/XX/2022 of inaccurate and unknown stuff all over my credit report. to this day which is well over 30 days. i have yet to hear a response regarding disputes sent via certified mail. I HAVE RECIEPTS AND DELIVERY SAYING YOU ALL RECEIVED THE DISPUTED CERTIFIED MAIL. I feel like I am being taken advantage of and BEING ignored. 

Section 611 ( a ), it plainly stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been well over 30 days so they shall be deleted promptly as stated by federal law.

I demand these disputes sent via certified mail to be deleted immediately or I will file for litigation due to the stress you have caused me.

The credit bureaus also violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under the section 611 ( a ) ( 1 ) stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be deleted promptly. 


XXXX XXXX MAIL : 1. Tracking # XXXX 2.Tracking # XXXX 3.Tracking # XXXX I MADE A CFPB Complaint About violations from the bureaus 1. # XXXX ( EXPERIAN ) 2. # XXXX ( XXXX XXXX ) 3. # XXXX ( XXXX ) The credit bureaus violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under section 611 ( a ) ( 1 ) failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be DELETED PROMPTLY. ITS BEEN WELL OVER 30 DAYS. ANY FURTHER DELAY AND I WILL BE SUEING FOR VIOLATING FEDRAL LAW AND MY RIGHTS FINED {$1000.00} FOR EACH VIOLATION PAYABLE TO ME.
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA (MT)

First National Bank of Omaha is engaged in deceptive marketing practices. They are sending out mailers that appear to suggest the consumer is receiving a pre-approved credit card application. Only once the " invitation '' application is submitted on their website do they actually disclose the fact that they are going to review the application instead of immediately approve what appeared to be a pre-approved offer. The consumer suffers a hard inquiry on their credit report and does not receive the promised credit card.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I filed a complaint with you against XXXX XXXX XXXX IL and Equifax within the last month and they finally refinanced my one loan I have with them to 12 mo with a XXXX  mo payment so I can get it paid off but are NOT reporting my payment amount, term of loan months or last payments made for the last two months!!! They also did not note on each of my prior loans closed and refinanced as all banks and loan companies do!!! They also made me borrow {$200.00} more in order to refinance it down to a year of payments instead of the four they were trying to gouge me for!!! I want this report corrected NOW! I want them fined for every error they made as they are doing this intentionally!!! I want a corrected copy of all three of my credit reports mailed to me paper form and to your office so you have proof!!!
Consumer complaint received 2021-02-02
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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-05-31
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: FIRST HORIZON BANK (TX)

The company Iberia Bank is currently erroneously reporting information to the various credit bureaus, inciting ownership to a delinquent account. The said account has been asked to be validated by myself with no response of such with supporting documentation. Such reporting violates multiple FDCPA laws and has caused me great mental and emotional anguish.
Consumer complaint received 2018-04-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (TX)

I called diversified consultants inc. sometime last month about a collection that appeared on my credit report about an account in the amount of XXXX dollars from XXXX XXXX   and have no idea what this is for. The debt collector told me it was not on file and could no find it anywhere. But then tells me that I have another collection from XXXX XXXX that was not yet reported and I disputed that one they sent me pack a letter saying that it was closed and the wont be able to get info need to verify that account. They are attempting to collect debt without following the guidelines from the fdpca and fcra. They dont have verifiable proof that this account belongs to me or an original contract with my signature the account in the amount of XXXX from XXXX XXXX should be removed at once and I didnt even get a chance to dispute this before the place it on my credit report. If it is not removed I will be forced to take litigation against diversified consultants inc. for damages to my credit.
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (UT)

This account was opened by my ex-wife. We were separated and I was stuck outside the country during that period. She has since moved out of the house. 

I asked the credit card company to remove the charges and close the account, however, that was not done. 

The card is now over the limit and there is a charge of {$110.00} which I have no idea why the fee.
Consumer complaint received 2018-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

XXXX is A FRAUDULENT CRIMINAL AND USES WORD SEMANTICS AND MANIPULATION OF FACTS, so i read the response, and it doesnt answer my questions, and is very deceptive, so you kept the original check, how long did you keep it before you sold it with a cusip number as a securities instrument?, I have located the financial institution you sold it to, did you also sell my original contract with the wet ink signature?, I BET YOU DID, AND ARE YOU GOING TO CHARGE SERVICE FEES TO MY TRUST ESTATE?, I BET YOU ARE FOREVER, so XXXX has sold the original instument which now there is no proof of indebtedness, I havent received a sworn statement from ANY XXXX representative stating a wrongdoing committed by me, sworn to before a notary which makes it binding ; ; and yet XXXX makes false claims on me? send me a sworn statement of wrongdoing committed by me and swear to it under oath, because you cant do it, YOU SOLD THE ORIGINAL INSTRUMENT AND MADE PLENTY OF PROFITS FROM IT AND IM GOING TO PERSUE THIS MATTER AND PROVE THE FRAUD AND LIES COMMITTED BY XXXX, I NEVER RECEIVED ANY ''BILL '' EITHER, SO SEND ME A ''BILL '' AND NOT A STATEMENT, A STATEMENT DOESNT PROVE ANYTHING, its all presumptions you XXXX liars creepy freekazoids criminals, HOW MANY SIGNATURES ARE YOU SELLING EVERYDAY YOU LYIN XXXX   XXXX, AND THE LAW SAIS YOU OWE ME THE INTEREST WITHIN 3 YEARS FROM ALL THE SECURITIES YOU SOLD USING MY TRUST ESTATE,
Consumer complaint received 2023-03-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (NH)

Between XXXX and XXXX I needed loans for two private schools I had attended. Sallie Mae offered me loans, telling me they had plenty of deferment and repayment options. A few years went by in which I was in school. Little did I know that while I was in school interest continued to accrue the entire time. I was worried about passing my classes and didnt have any mail or logins to access that information. For the past few years ( XXXX ) have repeatedly asked for income driven repayment or to pause payment for being unemployed or other reasons for a month or two. Every time I am told that forbearance is the only option possible. I pay the minimum and my loans go up or stay the same because of interest. On my credit report, sallie Mae has reported that they are current but 0 % paid off even though Ive been paying them almost {$1000.00} per month for many months. I was laid off in early XX/XX/XXXX and have struggled to make the payments for the last few months, pulling from my life savings. I just asked for the umpteenth time on XX/XX/XXXX if I could either do income driven repayment, if I could push this months loan payment to the end of the loan, or literally any option so that it doesnt hit my credit. I was told multiple times that forbearance is the ONLY option. This is in a written chat transcript I have. My loan payment is due on the XXXX of the month, and I can not pay it and have a place to live. This is greatly affecting my credit as well as my quality of life since I cant afford the loan payments and rent and everything else. Im making decent money and barely scraping by. 
Sallie Mae literally just says forbearance or I will get constant daily harassing phone calls until I pay. My co-signers have also had their credit affected and get the same calls constantly. Ive asked about removing my co-signers as well since I had been able to make about a dozen on time payments. They told me I could not do that, it wasnt an option. This has caused a lot of tension and problems between me and my co-signers.it has hit my credit a few times as well a few years ago which dropped my score drastically. Please let me know what I can do and where to go from here. Thank you.