davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC. (TX)

I spoke with XXXX XXXX, loan XXXX at HomeBridge Financial Services , Inc ober a week ago about what types of loans are available to purchase an investment property and whether I would be eligible to take out said loan. First contact was over the phone. I told her I was not comfortable filing an application yet as I did not want a hit on my credit and would feel more comfortable if she would review my financial paperwork first and only info I would give her to make a preliminary determination. She assured me she would do so and send me a link to the application via text. Once I filled out the application, there is a box to check to give consent to lender to run a credit check next to the submit button. I made sure not to check the box since I did not want to have my credit pulled, and before submitting the application, I texted XXXX  again. She again ensured me, in writing this time, that she would not pull my credit and for me to go ahead and submit the application so that she may review it. I clicked submit and she confirmed she received it via text. To my surprise, the following morning, I received a credit karma notification that my credit had a new hard inquiry and that my credit score was lowered by XXXX points. I immediately texted XXXX. She apologized, blaming her assistant but saying that he did not know not to pull my credit despite the box not checked, clearly not giving my consent for such inquiry to be done. She said she would give me a copy of my report as apology. I explained that I was not okay with her way of doing things. She then made a determination of my eligibility solely on the tax return paperwork I had submitted. I then adked her what she was going to do to fix my credit since, if she had not been XXXX, there would have never been any need to pull my credit in the first place, which I was trying to avoid all along. She refused to try to " fix '' her mistake but sent me emails saying that there was nothing to worry about, that inquiries did not affect credit scores anyways. I told her that XXXX states that inquiries do lower scores, and will appear on the credit history for XXXX years. That she needed to contact the credit bureaus and explain that she made a mistake so that my credit could be restored and that if not, I would have to contact CFPB for assistance. I also told her that as a licensed professional, she owed me duty of care when I entrusted her with my sensitive info but she was XXXX or XXXX  when she betrayed that trust and pulled my credit despite giving me her word not to do so. Needless to say how outraged I am at this point.
Consumer complaint received 2017-10-23
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. (PA)

OnXX/XX/XXXX I received a call from XXXX wanting to verify that I applied for their credit card to which I stated I did NOT. When I checked my online reports, I noticed that someone tried to take out credit cards using my info with both XXXX and XXXX XXXX XXXX. I do n't know the date for XXXX but XXXX was XX/XX/XXXX. I called XXXX XXXX XXXX and told them I did NOT apply for credit ( they denied a credit card to the person who fraudulently requested it using my info ). I also called the XXXX reporting agencies and explained everything to them and told them to please remove these inquiries from my files as I did NOT request credit from any place. They said they would take care of it but it is still listed. A hard inquiry is taking my credit score down a few points. I also told the agencies that I will not be getting any new credit cards and to put a freeze on my accounts so that no one else can request credit. Please help in removing the hard inquiries off my file ; thx.
Consumer complaint received 2017-10-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Financial Corporation (OR)

XXXX {$6900.00} XXXX {$6900.00} XXXX {$6900.00} I have explained to this company on numerous occasions that this is not my debt per divorce. They refuse to delete off my credit.
Consumer complaint received 2017-10-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TENET HEALTHCARE CORPORATION (GA)

called office dispute the bill, I asked for a manager they refuse to transfer me to a manager, spoke with a rude collection rep, who told me the account was n't in dispute and that I need to pay the bill or they would go ahead and sue me and if I did n't pay the bill that I could get arrested. I hung up the phone. In XXXX XXXX
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (GA)

XXXX XXXX XXXX has my old account listed as " Check Fraud '' with Early Warning Systems ( EWS ) '' preventing me from doing anything of importance with financial instuitutions. I contacted XXXX XXXX XXXX, XX/XX/XXXX, where I spoke to fraud, atm fraud, account closures and other departments to get the information I needed to prove my case. 

After several blind transfers, 4 hang-ups and the rudest supervisor I had ever spoke to with a condescending tone and very nasty attitude towards the situation, I was not able to get anywhere. I disputed the information with EWS in which they were able to prove something I was not, and I am involved. 

I stated that in XXXX, when my account was negatively impacted, XXXX advised me to get a police report for the incident, but at the time, the police station stated that in order for me to file a report, I needed " evidence '' of what happened and something showing who was actually involved. XXXX  had this information but refused to release anythign to me. So, at that time, I said " forget it ''. XXXX was to do a " PROPER '' investigation in which they would have seen I was not responsible for anything negative regarding the account. XXXX failed this investigation and just labled me as the " accused '' because it was " easier '' but not factual. 

The account actually closed because there was an " electronic '' deposit that wasn't real. I had no way of doing this. How can I, a non-hacker without any hacker access, be able to ELECTRONICALLY deposit money that was never there? I have never been able to do this, and if you look at my banking history, it shows the same. 

XXXX  is now know to be the worse bank for the general consumer. They have screwed a lot of people 's files because of their lackadaisical internal processes that only helps the bank or their top dollar consumers. 

This just isn't fair, and I need advocacy. I'm starting here after failed attempts with XXXX  and EWS. Then, I am writing the attorney general, and last, I will use my own attorney for a civil dispute.
Consumer complaint received 2020-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (PA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX SC XXXX Acct # XXXX Reporting to XXXX   {$960.00} This Debt is not mine. Attached is Certified Mail Receipt of yet another letter asking for a contract with my signature from their firm.. Not some made up bill, not another just pay this letter ... ..If they can not show us a contract between me and XXXX XXXX  with my signature, then this must by law come off my credit. Ive written over 15 letters.
Consumer complaint received 2017-10-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capstone Credit & Collection, LLC. (CO)

I have disputed this collections account on my report from Capstone CR a few times, and I have asked multiple times for validation of this debt. I have not once received the information to validate this debt and I do not/have not ever had a contract with them. Instead of providing the information to me, Capstone CR has deleted and readded the collection to my credit report, all done during the week of XXXX XXXX XXXX. Now this collection that I have asked and asked to be removed, has started the aging process over. I do not want to be stuck with this debt even longer now due to their unfair practices.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-09-07
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. (OR)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2017-10-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (IL)

I purchased a prepaid XXXX giftcard on XX/XX/XXXX at a XXXX grocery store in XXXX. It was loaded with {$500.00}. A few days later I opened the package and attempted to use the card and was denied. I went to check the balance online and it showed several transactions occuring the previous day, before I had even opened my package. It was clearly fraud. I immediately called the customer service for the card and submitted a fraud complaint and faxed in the information requested on XX/XX/XXXX. I was told the process would take at least 30 days and that I would be mailed out a replacement card after that. I called back on XX/XX/XXXX and was told the case was closed and denied because they had not received additional information they needed. No one had ever called or written to me to request this additional information. They said they could re-open the case if I submitted the information. I submitted the information on that date and then called back a few days later to check that they had received everything and that it was all they needed. They confirmed it was, and that I would have to wait another 30 days, for the bank to respond. After 30 days, I repeatedly called back, about twice a week, beginning XX/XX/XXXX, to find out information about my claim. No one in customer service could give me any information, other than the claim was still unresolved. On three separate occasions, the customer service said they 'escalated ' the matter, and that was all they could do. Finally, on XX/XX/XXXX, I received a voicemail telling me that the case was denied and closed again because it is now past the chargeback time frame. This is ridiculous as I submitted my claim within 2 days of the fraud occurring, and again resubmitted all the requested material ( including receipt and activation slip, copy of the front and back of the card ) only one month after that. The fact that they repeatedly delayed making a decision on my chargeback for obvious fraud seems like a strategy to push the case so far into the future that it would become 'invalidated ' because of time frame. The prepaid company seems determined to exhaust me in my attempt to resolve this, as I have called the company at least two dozen times since this case started, and they have refused, until my voicemail on XX/XX/XXXX, to even contact me regarding the case. I have been prompt in providing clear copies of all necessary documents and I find it egregious that this company has spent four months putting off a decision to me regarding this case and then claims that now the chargeback falls outside their time frame. I refuse to allow this clear case of fraud to be perpetuated.
Consumer complaint received 2017-08-23
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. (NV)

I have recently started a dispute process with the credit bureaus regarding a bankruptcy that is on my credit file with inaccurate information. BeginningXX/XX/XXXX 2017 in order for the credit bureaus to report public information on your credit file it must contain ; name date of birth socia security number and address which tied the debt to you, I have disputed this bankruptcy multiple times and the credit bureaus have yet to follow the new law inplace, yet all they have done was updated this bankruptcy with the information about the court where the bankruptcy was filed. I have contacted the court and was advised they have NOT verified a bankruptcy being tied to me with ANY of the credit bureaus, therefore I would like this information to be rereviewed and REMOVED from my credit file
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I moved into an apartment complex by the name of XXXX XXXX apartments. At the time they had just becomes the new management company and had a new onsight XXXX. When I moved in there was never a walk-through. The new XXXX charged me for things that were wrong with the apartment before I even moved in. The reason why I moved out is because there was never any hot water and I had XXXX small children. Anytime I needed something fixed they never put in work orders for paper trail. They went through a handful of maintenance and managers that didnt know what was going on. I tried to explain to the XXXX that there was never a walk-through and she was new and didnt try to help. She added incorrect information and billed me for it. Now Im trying to take care of this. There is no way they can produce a walk-through. I feel that they need to go back to their records and remove Or delete it from my credit. Its been affecting me for the last XXXX years negatively and its time the properly acknowledged their incorrect information! Either they provide a walk-through with my signed signature with damages that were or were not done ( which they can not because there was never one in place ) or remove it from my report immediately! 


I dont have paperwork because its been years but I can provide some of the names I do remember. The XXXX that moved me in and knows things were already damaged was XXXX XXXX. I cant remember the in between names but it ended with a XXXX by the name of XXXX! Essentially shes the one that incorrectly charged me!
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

Un-authorized inquiries XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inaccurate Tradelines It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX  Account : XXXX XXXX XXXXXXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXXXXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX  XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXXXXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX Account : XXXXXXXX XXXX XXXXXXXX Account : XXXX XXXX XXXXXXXX XXXX XXXX  Account : XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX REMOVE ALL IN-ACCURATE ADDRESSES ASAP XXXX XXXX XXXX XXXX XXXX XXXX, MN
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-09-08
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico  has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-09-17
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft US SM BUS ADMIN XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft CAP ONE AUTO Account Number : XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CHARLES SCHWAB CORPORATION, THE (CT)

XXXX XXXX. The customer is a footnote. They have elevated process, no matter how dysfunctional and broken, to a worshipped idol status. 

Their automated " verification '' process is incredibly brittle and fragile, relying on external databases that are full of out of date information or have zero ability to deal with variants in normal language, ie XXXX XXXX rather than XXXX XXXX. Or XXXX XXXX rather than XXXX XXXX, XXXX and XXXX and so on. They also claim my house, XXXX XXXX XXXX, does not exist due to some secret database or claims I have moved, again based on some opaque source. If you are in the military with a residence and stationed somewhere else for mailing, you are in for even bigger unpleasant experience with Schwab. 

Faced with this breakage, you then take time of work ( and lose income ) to jump through various artificial hoops, sending in documentation, only for it to immediately break again or get completely ignored without feedback. The default position of Schwab is breakage, the opposite of XXXX or XXXX that works by default. 

Naturally this murky " verification '' ( and random freezing ) is done without notice, and only gets discovered at the grocery checkout or restaurant to maximize humiliation. The posts on XXXX and XXXX are full of this experience, yet its management is asleep at the wheel and has no idea how dysfunctional they are, and apparently its stockholders are also in the dark about how poorly the company is run. 

The process, when triggered, that is constant, auto freezes accounts without notice. To get money out becomes artificially impossible, or requires a {$25.00} wire transfer fee and waiting around to see if and when they might get around to doing it ( cue manual forms and more breakage ).

Schwab have eliminated options except claim a tax loss for casualty loss ( funds stolen by Schwab ) or start a lawsuit to recover what they have slyly expropriated. My feeling is they are doing this to systemically over their customer base to get effectively free deposits and a " float '' or this is a case of the process tail wagging the core functionality dog. No doubt they have scripted justifications, though never explaining why they are so bad compared to reputable banks. 

The end result is a huge drain of time on hold and jumping through hoops as a result of their process that cynically transfers all the risk and lost time and income onto the customer.