davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

experian you are reporting XXXX XXXX XXXX 7 times on my credit report stating collections enclosed are a copy of the accounts on your report .I have emailed, mailed and faxed for information from XXXX  XXXX  XXXX  with NO response SO i looked up the company of the XXXX  it states that the company appears to be out of business document enclosed seems mail sent on XX/XX/2019 was returned to the post office { as attempt-not known } that explains why I can not get the documents with my alleged signature and proof of service that XXXX  XXXX XXXX  claim and that XXXX  can not provide the documents to me in a statement from XXXX to CFPB they state that they did not purchase these alleged account but was asigned to them I question that because this company has a bad recorded with the ATTY GEN and the FTC . XXXX has already violated my HIPPA right by Sending a copy of alleged dates with name what the billing is for to the CFPB and you were sent that report in protest NOW XXXX  XXXX  XXXX   XXXX can not validate these alleged accounts i request that they be removed from my credit report because they are not mine there is no contracts with my wet ink signature nor proof of service all documents are enclosed in this dispute
Consumer complaint received 2020-01-23
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. (MD)

XXXX, XXXX, AND EQUIFAX ARE KNOWLY AND FALSELY REPORTING INFORMATION FROM XXXX XXXX AND XXXX XXXX ON MY CREDIT FILE THE OPENED DATE AND THE DOFD DATE OF FIRST DELIQUENCY.
Consumer complaint received 2020-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX, TRANSUNION, AND XXXX ARE KNOWLY AND FALSELY REPORTING INFORMATION FROM XXXX XXXX AND XXXX XXXX ON MY CREDIT FILE THE OPENED DATE AND THE DOFD DATE OF FIRST DELIQUENCY.
Consumer complaint received 2018-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Portfolio Recovery, LLC (FL)

I respectfully requested to be provided proof of this alleged item, specifically the contract, note, or another instrument bearing my signature. Failing that the item must be deleted. On XX/XX/XXXX, I was only sent an alleged credit card statement with no payment history or judgement against myself. The listed item is completely inaccurate and incomplete and is a very serious error in reporting.
Consumer complaint received 2022-04-29
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. (FL)

This is my 3rd time I reached out to transunion about unauthorized inquiries on my report and they have refused to do so. There are 23 account and promotional inquiries that are on my report. If they can not provide me with the original application along with my original written ink signature. Immediately remove them from my report
Consumer complaint received 2018-04-06
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

For the first time since the age of XXXX, I have found myself without a job. As I am now in the middle of a wrongful termination suit that has gained the attention of many LGBT organizations, I am doing my best to maintain my bills and keep a roof over my head. I have remained communicative with One Main Financial regarding the status of my fianancial situation and they have been more than accomodating. However, today, I received a threatening phone call from the gentleman that originally set me up with my loan. He got extremely defensive and LOUD!!!! To the point he was yelling and would not allow me to state my case. I told him that I am currently without income and have XXXX cents to my name. At this point, he stated, " do you not remember the contract? Whaty are you going to do? You said you would make a payment every 30 days? What are you going to do? '' I told him that I have no clue what I am going to do as I am personally at a loss at this point. He stated that he will just continue to call me every single day until I make a payment. '' I stated that I will file a claim for harassment if he wants to continue with the threatening tone and continually berate me to the point I am feeling scared for my safety because he has my address. He then states that I need to get up and get a job and take care of my business like someone responsible. He told me that I can file a claim against him for harassment, but I can't do anything because I signed a contract. At the point of tears I did say " well listen sweet heart! '' This really set him off. He starts yelling even louder to the point he finally just hangs up on me. I am still shaken by this conversation and feel thereatened and afraid for my safety.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

My debit card was stolen and used in XXXX XXXX Im currently living in a whole different state my card was charged {$800.00}. I reported card stolen and card was blocked. I disputed the charges and made a claim with Wells Fargo no response of outcome. My account is now over drawn because of unauthorized transactions.
Consumer complaint received 2021-06-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

On XX/XX/2021 I sent a letter to Account Resolution Services requesting that they validate the debt in question and they failed to validate the debt they simply sent me an account summary on their letter head. On XX/XX/2021 I sent them a letter notifying them that the information provided does not substantiate that the debt belongs to me. I asked them for specific information about this debt and the failed to furnish the information and continue to report on my credit without doing an actual investigation of this debt.
Consumer complaint received 2018-02-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

In XX/XX/2017 I applied for a mortgage with Quicken Loans. Our landlord lost our home in foreclosure so we are scrambling to stay here. I explained this to the loan officer. and that my mother is a XXXX veteran with XXXX  and moving is the last thing we need right now. I completed the document request and received my pre approval letter, continued the process only to be told after almost 4 mos that I need a cosigner. I offered a cosigner from the start but was told FHA does not accept non resident cosigners. The reason I was given for the new requirement was that my credit dropped from XXXX to XXXX. They had run my credit for times in that period and charged me each time. This was the only changes in my credit. I was flooded with lock the rate emails and I told XXXX XXXX to lock it each time but he never locked it. After being preapproved and submitting all requested documents, knowing my income to debt ratio and credit score both qualify me yet I still have no loan for my house..??? I'm frustrated. My rate went up 4 times and my closing costs went up as well..XXXX score was XXXX, XXXX hourly job in my field of study. No Loan!! I am requesting all credit report fees be refunded as well as them removing all hard inquiries from my report. XXXX said no can do. I can understand running it once, getting to closing day then running it again but not four times in a 90 day period.
Consumer complaint received 2023-04-07
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. (NC)

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 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (KS)

XXXX fundingXXXX XXXX XXXX. XX/XX/XXXX says updated XX/XX/XXXX. XXXX $ on my credit report sent into collections and I have no idea what this is, yet its still being updated!
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Angel Oak Home Loans LLC (NC)

I looked at Angel Oak Home Loans LLC for a refinance I did not fill out the application Because they wanted my SS number which I did not want to give I called and they said they could do a Bank Statement loan and asked that I send my bank statements which they received and reviewed They called and said I did not have enought cash flow on XX/XX/21 Than on XX/XX/21 I got a letter in the mail saying they had run my credit Showing my credit score I did not give them permission to run my credit nor did I ever give them my SS number Angel Oak Homes Loans LLC XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Took upon themselves to find out my SS number my guess through my bank statements And run my credit again without me ever giving them the number or did I sign anything giving them permission
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: RS Clark and Associates, Inc. (GA)

DATE : XX/XX/XXXX / XXXX NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX CONTACT : ( XXXX ) XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

Re : Dispute of Account Status - Account with XXXX XXXX, Reported by XXXX. XXXX and XXXX Dear Sir/Madam, I am writing to dispute the status of an account reported by your agency, XXXX. XXXX and XXXX, regarding a transaction with XXXX XXXX. According to your report dated XX/XX/XXXX, the account status is marked as " Paid, '' which is accurate. However, I have concerns that need to be addressed to ensure my credit report accurately reflects the closure and satisfaction of this account. 
Account Details for Reference : Original Creditor : Appliance Warehouse Date Assigned : XX/XX/XXXX Original Amount Owed : {$72.00} Date of Last Payment : XX/XX/XXXX Status Date : XX/XX/XXXX Balance Date : XX/XX/XXXX While I appreciate that the account status is correctly listed as " Paid, '' I want to ensure that there are no discrepancies in how this account 's payment history or status is reported to credit bureaus. The account 's resolution is crucial for maintaining the accuracy of my credit report and my overall financial health. 
Therefore, I kindly request : 1. A detailed account statement reflecting all transactions, including the payment that satisfied the account balance.

2. Confirmation that this account has been reported as " Paid '' to all three major credit bureaus ( XXXX ) but not reported to XXXX, and XXXX along with the date of this reporting. 
3. Assurance that no further reporting will inaccurately reflect the status of this account, given its full settlement as of XX/XX/XXXX. 
Your prompt attention to this request is greatly appreciated. I hope to resolve this matter swiftly to avoid any potential negative impact on my credit score due to reporting inaccuracies.

Please send me a written confirmation of the actions taken in response to this letter within 30 days of receipt. Should you have any questions or require further documentation from my end, do not hesitate to contact me at XXXX or XXXX Thank you for your cooperation and understanding. 
Sincerely, XXXX XXXX XXXX
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1600.00} XXXX XXXX XXXX  ( Original XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXXXXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

I have filled numerous disputes with synchrony bank old navy credit card. Everyone has lied to me and I have submitted over 20 disputes and no one has help me. XXXX XXXX company charged XXXX in my old navy without my permission and no service was ever provided. I have many documents that this charge was done without my consent.
Consumer complaint received 2018-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (VA)

I signed up for BBVA Compass's Mega Blitz promotion in which I could apply online for a checking account and receive $XXXX if I completed a direct deposit within 60 days of opening my account. I opened my account on XX/XX/XXXX, and completed a direct deposit from my employer on XX/XX/XXXX. Per the terms of the offer, the $XXXX  should have been deposited into my account within 60 days of the direct deposit, i.e. XX/XX/XXXX. I haven't received this bonus. I have contacted BBVA on XX/XX/XXXX to find out the status, but never heard back from anyone. I have attached a print out of the promotion information when I signed up for the account for reference.
Consumer complaint received 2018-02-09
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. (PA)

I have derogatory information on my three credit bureaus from XXXX, Equifax and XXXX  that are not correct I’ve tried numerous of times contacting and speaking to the credit bureaus about the negative information there reporting on my credit report and I have also complained to them that someone who I know and trusted which was a family member that used my personal information to obtain credit using my personal information also there are lots of hard inquiries being reported on my credit reports which I didn’t authorize could someone please help me out with these problems I’m having thank you.
Consumer complaint received 2018-04-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MN)

Im on a rate reduction program with Navient and you have to reapply every year based on your income. My income has dropped to half and I just had a baby. So they told me that didnt matter and I didnt qualify. How does your income drop in half an have a baby dont qualify. What is the point of asking me about my income if they are not willing to help me. They are not willing to help me. Is there other options like income based options? I literally was offered no help and when I call I get a different answer every time. This company is terrible to work with. Do you know of other companies that I can go with or help with this??
Consumer complaint received 2021-06-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FRANK & ISRAEL LTD. (GA)

On XXXX I had emailed XXXX and XXXX ( XXXX XXXX ) regarding an unknown debt on my credit report. I had stated that my email wasn't an acknowledgement nor acceptance of debt and that I hadn't received any verification of this debt. I was only made aware of owing these funds after applying for a new home loan. I had made a settlement offer to payoff the debt in full in exchange for a courtesy removal from the credit bureaus. I had received a response from XXXX on XX/XX/XXXX. The response provided a settlement offer with them informing me that they'd report the debt as paid in full. I had asked to clarify if they'd be requesting the debt be removed from the bureaus via email on XX/XX/XXXX. They provided a response on XXXX stating that under FCRA they can update the debt as paid in full. I had again responded to that email asking to have a conversation and that I was only asking for a courtesy removal. Again on XXXX, XXXX had quoted what they " can '' do under FCRA. Again on XXXX I had tried calling with no response and sent a follow-up email to them. The issue at hand is that this company has never provided me any initial notification of this debt. Furthermore, this company has not once followed the their requirements pertaining to my rights under the Fair Debt Collection Practices Act by disclosing that he or she is attempting to collect a debt.
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NJ)

On Saturday, XX/XX/2018, at about XXXX ET, I put a call through to Paypal customer care about a pending {$500.00} transfer to my Paypal account from my XXXX XXXX XXXX of Account which is taking forever to clear into my Paypal account. 

Given the fact that I needed the money as a matter of urgency, as I want to use it to buy valentine 's gift for my wife. First, I asked the representative if the clearing can be expedited which he said it can't, then I asked if the transaction can be cancelled and reverted back to my bank account, he replied no as well as it's not in their power to do so but my bank which we both agreed might not be possible as it has cleared my bank already. 

I further asked if I can get an overdraft since I have a pending transaction that will definitely clear into my account, he thereafter said he will get back to me and put me on a brief hold, when returned, he said I should type in www.paypal.com/credit and follow the procedure, I quickly asked him if its credit card as what I want is kind of an overdraft and not credit card, he replied no. I followed the procedure and was thereafter denied whatever credit it is. 

To my surprise, I received an email from XXXX XXXX that someone ran my credit and it affected my score and it turned out to be Paypal despite my repeated warnings to the agent and his assurance that I don't want credit card, Paypal went ahead to run my credit and it brought it down from XXXX to XXXX. 

I need a redress and necessary compensation. 

Thank you.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

On XX/XX/XXXX I submitted 4 disputes to Transunion.  They were accepted and I thought they would be handled in the 30 day time limit.  On XX/XX/XXXX I received a notification that the results would not be ready until XX/XX/XXXX and noticed Transunion had changed the date I had submitted my disputes. I call them and spoke with a lady.  She then told me they had computer issues and were unable to do anything for those nine days. That was of course a lie as my husband disputed one item on XX/XX/XXXX and it was resolved on XX/XX/XXXX.Now XXXX  has locked me out of my account so I cannot see the progress of my disputes, will not give me any information on the phone or help in any way at all.They are quite possibly the worst company I have ever dealt with.  XXXX has been great. Nothing has taken longer than 10 days, they are helpful.  XXXX is like working with an XXXX.
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: Experian Information Solutions 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 consumer. 


XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  XX/XX/2022