davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-14
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: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

Ordered XXXX for a trial offer of {$29.00}. The website states " 100 % Money Back Guarantee '' and " Hassle-Free '' returns. On homepage of their website there is NO hyperlink to review details of either statement. The credit card company has closed the issue without refunding any payments taken from XXXX. XXXX refuses to accept the product ( s ) for refund, XXXX refuses to refund my money, XXXX refuses to accept the product to be returned. Schools failed to pursue due diligence prior to closing this dispute.

I have additional attachments ; however, due to size am unable to upload documents. Please advise
Consumer complaint received 2020-08-18
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: SYNCHRONY FINANCIAL (NY)

I have recently obtained a copy of my XXXX credit report. It showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so under section 609,  physical signature. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I recently checked my credit report and noticed that an account is showing inaccuracy in reporting late payment from XXXX XXXX dated XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX in accordance with the fair credit reporting act this company has violated my rights and with accordance to 15 USC 1681 SECTION 602 states I have the right to privacy also 15 USC 1681 SECTION 604 A SECTION 2 It also states a consumer reporting agency can not furnish an account without my written instructions SECTION 15 USC 1666B STATES a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-12
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. (CA)

It has been a battle going through this and I am writing to delete the following fraudulent items in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$24000.00} XXXX XXXXXXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I have submitted a dispute letter requesting an expedited response, accompanied by meticulously documented evidence for each claim that has been reported inaccurately in my consumer report. This misinformation has caused significant distress in our lives, including hindering our ability to secure housing for our family. Regrettably, I have been left with no alternative but to pursuelegalaction.
Consumer complaint received 2020-07-16
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (GA)

In XXXX of 2018 I submitted all my accounts to XXXX XXXX XXXX to manage all my accounts and to control my interest rates on all my accounts. 

Since my account was not late due to my mishandling of it but due to the interest and contract disagreement between XXXX and Discover technically the payments were being made but the amount and the interest rate was the only point of contention I am disputing the reporting of my account as late. Discover accepted the payments and demanded more money at a higher interest from XXXX who was already paying them on time. 
Since the lower amounts were paid on time this is a fraudulent reporting on my credit report.
Consumer complaint received 2018-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have tried numerous times requesting for documents that Experian uses to verify this debt with XXXX XXXX XXXX  but Experian has declined to send me any information. All Experian sends me is updated credit reports but nothing else. Every dispute response is " updated ''. First letter requesting documents was XX/XX/XXXX. Second request was on XX/XX/XXXX. I sent it so early because Experian gave me my dispute results as " updated ''. The third letter was sent XX/XX/XXXX, again Experian updated the dispute result as " updated ''. My fourth letter was sent XX/XX/XXXX. After four attempts to get documents in how Experian " verified '' this account I have got nothing back.
Consumer complaint received 2020-07-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MI)

I inquired about a possible mortgage refinance with Quicken Loans about 6 months ago. Now, the email I provided them has been getting random inquiries from different companies to 1 ) sell my home, 2 ) insurance quotes, 3 ) XXXX XXXX, 4 ) home equity lines of credit, 5 ) home warranty plans, 6 ) Quicken is continuing to contact me via phone and email even tho Ive asked them multiple times to take me off their call list. When I originally inquired on the refi, I opted out of any additional services they may provide.
Consumer complaint received 2016-03-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NY)

Hi, the i am unable to obtain my my credit report. i applied for XXXX credit card, they ( XXXX ) inform me that my credit file is " frozen '' so i contacted the one of credit reporting agency XXXX they said its nothing wrong with my credit and its not frozen i do n't know who to believe.i also opened up checking account with XXXX XXXX XXXX and latter they freeze my account, because ( according to XXXX XXXX ) a different name was showing up under my Social Security, So i had to go to the XXXX branch to identified my self. I need to know whats going on my credit, why different name is showing on my Social security and why i am unable to obtain my credit report and why my credit file is frozen, Please investigate these allegation and have credit agency make necessary corrections Thanks XXXX, XXXX XXXX
Consumer complaint received 2017-07-24
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. (AR)

XXXX, XXXX and Equifax continue to report false information even tho I have submited the correct information to them and sent proof. I have tried over and over to get information corrected with no results. This is resulting in my credit score being in the XXXX XXXX and it should be in the XXXX XXXX. They are showing many false reports and I would like my credit score repaired and up where it should be. They do not investigate they just take whatever the credit card companys state and keep reporting it even tho it is false.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have recently been the victim of identity theft and have had several hard inquiries from federal credit unions that I have never heard of. I have contacted all of the creditors and they have not removed the hard inquiry from the account. I have frozen all three credit reports and placed a security alert on my account. I would like the following hard inquiries to be removed XX/XX/2021 : XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XX/XX/2021 : XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX
Consumer complaint received 2018-02-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Assent Inc. (CA)

XX/XX/XXXX My name is XXXX XXXX and I am filing this complained against XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX On or around XX/XX/XXXX I started a mortgage application with Assent, but canceled the process because the refinance charges were too much, the interest rate was to high, and had to pay mortgage insurance. 
I called XXXX on XX/XX/XXXX and spoke to XXXX XXXX, and asked him to cancel the application and the loan. 
On XX/XX/XXXX, I called my current lender, XXXX XXXX, and they started a new application for a loan that met my needs and with a discount on lender fees. They were going to send an appraiser. 

On or about XX/XX/XXXX I received a phone call from XXXX XXXX, ( XXXX ) saying he was an appraiser and wanted to come over, I asked him if he was from XXXX XXXX, and he said yes. 
XXXX XXXX came to do the appraisal on XX/XX/XXXX, my friend XXXX XXXX was here and in front of her I again asked XXXX XXXX if he was sent by XXXX XXXX, and again he said yes. XXXX XXXX did the appraisal, and the next day I got another call from the real appraiser, from XXXX XXXX. 

I immediately call XXXX XXXX, and confronted him with lying to me. He said he had already completed the appraisal and needed to get paid. At that time he had not sent the finished product to XXXX XXXX, so I asked him to cancel everything. He said no, and went ahead with his plan. 
On XXXX XXXX I sent an email to Assent complaining about XXXX XXXX and the charge on my credit card. XXXX XXXX also called and a lady with the name of XXXX, left a message that there would be a refund to my credit card. 
On XX/XX/XXXX and XX/XX/XXXX I called the XXXX, girl and said she would look into it. 
Last week XXXX called me and told me I would not get a refund, so I called XXXX XXXX and when confronted hang up on me.
Consumer complaint received 2021-10-05
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: U.S. BANCORP (NV)

I have filed a Dispute in regards of inaccurate items on my credit report and it's been well over 30 days and I haven't received any investigating results.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OR)

On XX/XX/2020 I noticed a fraudulent inquiry from XXXX ODA. I called to request Experian remove it and they said they would. I asked that ALL names other than XXXX XXXX and ALL addresses other than my current XXXX XXXX XXXX address be removed. He told me he needed specific names and addresses which I did not have access to. he refused to help any further in order to help me prevent future fraud due to old and outdated information on my report.I filed a complaint with the CFPB and Experian did NOTHING but copy/paste some cookie cutter XXXX and didn't even try to address my complaint.XXXX and XXXX were not part of the initial complaint but I am adding them to this one because their online dispute portals are buggy and do not work properly.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

I contacted navy federal in regards to my credit card that has a max limit of {$1600.00}. Navy Federal Reported to all credit bureaus that I had used {$2800.00} that dropped my credit XXXX points while I was trying to purchase a home.
Consumer complaint received 2021-10-05
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. (TX)

Transunion XXXX and XXXX has reported inaccurate information of my consumer report which has damaged my reputation and and made it harder for me to obtain money or credit services for the benefit of my household. Transunion XXXX and XXXX had reported sixty ( 60 ) inquiries on my consumer report causing my score to drop significantly which hinders my access to my federally protected right to credit. I have since had these removed after hiring a credit sweep company to manage the task. I was then informed that my rights had been violated and I was due actual damages for their carelessness.
Consumer complaint received 2021-10-05
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-06-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

I asked for help beginning in XX/XX/XXXX. I finally got help in XX/XX/XXXX after filing complaint with XXXX. I wrote letters explained why I felt they kept asking for bank statement repeatedly. I told them, yet they never paid attention in my writings, or repeated phone calls. I knew they were looking for my checking account no. Which our credit union lists us as a member and doesn't list our acct no. Only our members no I circled where our checking account begins to help them. It's been one battle after another. I don't know who holds our mortgage as they refuse to tell us, and they are mortgage servicers only. They refuse to offer us modification, and offered that our XXXX be paid in balloon by XX/XX/XXXX. I told them if I could afford that then I would've paid the whole time. I'm XXXX and my husband is the only income provider. Finally someone cares enough to tell me they have a page for covid so I went to it, filled it out, and they denied a deferral because we had a previous deferral they claim which I truly can not recall such? So my only option was to pay XXXX more a month for 2 years or we will lose our home. I feel trapped and pushed against the wall. As I wrote the XXXX  just to get someone to finally call and work this out why they kept wanting statement, I told them I feel as though they're wanting to trap us and take our home, I truly feel like that's their true goal. Please what are our options, as we can not afford to pay that extra money each month especially for two years, and I'm not sure why it's so much? Our mortgage is XXXX  month and I'm only 4 months behind? Please help us! Thank you Further, they've written me since my complain stating that it was unfounded which they're wrong. I written, called repeatedly wanting to work out their repeated requests for our bank statement, for which all was ignored! This is what I wrote in my complaints, therefore they're truth! No one ever handled my letters, or my calls properly, it wasn't until I filed when my agent assigned to us called, which I wrote letters directly to him before my complaints! He finally called after I complained and only after! And my letters were valid my reasons were right they were asking for repeated copies because our acct. No. Wasn't listed, after he finally called and listens, he understood this and fixed it all! Sadly, this could've been fixed way way prior to XXXX, but when I first wrote him in XXXX!!!! It's sad, and I feel as though they're placing us against a wall again with wanting a balloon payment, and for wanting XXXX for 4 months behind? I don't get why a deferral is such a big no simply because they claim we've had one, which I truly don't recall, but if so I think it was just a lousy 2 months, if I recall? I have blood clots so my memory isn't the sharpest why I keep all details written, copied, and filed. Either way, please let me know what our options are. XXXX
Consumer complaint received 2020-07-01
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. (NC)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately.
Consumer complaint received 2018-02-24
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: National Auto Lenders, Inc. (FL)

I have filed complaints with the XXXX and the credit reporting agencies in refrence to a data provider NATIONAL AUTO LENDERS. I requested to please provide physical proof so I can validate the account and the alleged alligations. National Auto Lenders States whats being reported is correct but has not to respond to my certified request to allow me to verify the account or send me anything inrefrence to this ccount to support their statement. Im only inforcing my credit rights per section 609, please understand im well within my rights to request and verify this information without being ignored or insulted for inforcing my rights. I have also made an attempt by phone and was advised that I will recieve a call back but unfortunitely again to my disappointment no one responded or call me back. I have attached the letter sent to National Auto lenders and reciept of successful delivary. 

*Please be advised, My request for deletion only supports the FCRA and laws thats inforced for inaccurate, incomplete, unverified and unproven statements and alligations.
Consumer complaint received 2017-10-15
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (SC)

In Fall Of XX/XX/XXXX, I attend XXXX County College, I did not complete the semester. I was having some health issues, and a difficult time : In XX/XX/XXXX I had to file for Chapter XXXX. I listed all my Debits, including the college, and student loans, etc. I have moved since XX/XX/XXXX, and always had my mail forward. In XX/XX/XXXX I rec 'd a phone Call from General Revenue stating I had an outstanding Balance of {$580.00} for college in XX/XX/XXXX. I told them I was not in college then, I was given the phone to call and follow up, I did just that, and by my many phone calls finding out little bits here and there. The Debit come from me attending the college in fall XX/XX/XXXX, the College having an audit done in XX/XX/XXXX, and this is when they found I owned them money. So, it took them other 5 years to find me, really with the internet today you can find anyone in less than 5 mins. The college is starting to General Revenue that I filed chapter XXXX after the debit was posted, no filed after remembering I went to school in fall of XX/XX/XXXX, filed in XX/XX/XXXX. They ( the college ) found the error in XX/XX/XXXX, this is not my issue. If the audit was not done we would not be here. also, all my student loans were discharged due to medical, and on social security. The College also changed names in this time frame From XXXX County College to XXXX College of XXXX County.
Consumer complaint received 2016-01-11
Product: Credit card — 
Issue: Privacy — 
Company: AMERICAN EXPRESS COMPANY (TX)

A charge posted on my account in the last billing period that I did n't authorize. The charge came from a merchant whose services are pushed on me through mail marketing by the credit card company. I called the merchant and did get the charge reimbursed. I also called the credit card company and voiced my concern regarding a charge that was unauthorized and came from a merchant that is frequently marketed on me by them ( being the credit card company ). The credit card company offered to block the merchant and look into any wrong doing on the merchant side. The service associate told me that the credit card company did own the merchant company at one time. I now have the credit card company reviewing any wrong doing by the merchant. My question is, who will check on the credit card company for any wrong doing? Normally, I would not be that concerned about a charge dispute, but in this case, I am very concerned that the credit card company is not treating my information in a secure manner. I have had no dealings with the merchant ( that I can remember ) but yet they were still able to acquire my credit card information to charge it. I would like the credit card company to answer the question of, how did the merchant get me " secure '' credit card information?