davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WA)

In attempting to apply for a home Loan equifax would not release my report After numerous calls to them they claimed to have my name incorrect as well as address needed update. 

I faxed the information to them on XX/XX/XXXX I followed up and they claimed not to get the fax I then sent them another fax, as well as a certified letter. 

I followed up with them again today and the information had been corrected. 

However equifax is STILL not releasing my credit score or report to XXXX or XXXX. 

This is severely impacting my life and I dont know what to do at this point. Numerous calls to equifax and Im being told there is no issue- but they still wont release my score to my banks.
Consumer complaint received 2022-11-20
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. (WI)

My XXXX account has never been late and the balance is XXXX. I even called in the payment in full with my debt card They need to take off the late payment and correct the balance to XXXX.
Consumer complaint received 2018-04-01
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

The Issues : 1. Capital One violated state and federal laws and regulations when informed verbally and in writing that XXXX XXXX XXXX XXXX XXXX stole my Capital One credit card number. 

2. Capital One conspired with XXXX XXXXXXXX XXXX XXXX XXXXXXXX to defraud me. 

3. Capital One has instructed me in writing on how to defraud the IRS.

4. Capital One has repeatedly lied to the CFPB to try to cover up their violations of state & federal laws and regulations : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. 

The Details : Attached Folder 1 The Documented Proof : Attached Folder 2 Some documents provided by Consumer Services under the Attorney General of Florida
Consumer complaint received 2021-12-03
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: Experian Information Solutions Inc. (TX)

There is a bankruptcy being reported on all XXXX credit bureaus. I reached out to all agencies and was told that this information was furnished and verified to be accurate by paid source XXXX. I reached out to XXXX XXXX who responded saying that this was not true, and this information was not furnished nor is this on my XXXX XXXX report. I reached back out to all agencies on conference calls with XXXX XXXX and was told that they would need proof from XXXX XXXX. I have submitted my XXXX XXXX report and was told that was not sufficient. XXXX XXXX even asked agencies to validate when said information was furnished and was told that they were not at liberty to answer. I have also asked agencies to provide me documents to support the validity of this reporting and was told they have no such document. I am demanding that these agencies provide me document to support this reporting or remove this reporting as the said furnisher has provided document showing this information is not reported on my credit file.
Consumer complaint received 2021-06-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (NY)

I applied for a mortgage loan with TD bank on XX/XX/XXXX ; since then, as a law abiding and disciplined individual, I have been submitting ALL the documents my loan officers, XXXX XXXX and XXXX XXXX, requested ASAP. In XXXX, I have sent them numerous emails with questions about an updated Closing Disclosure to reflect a reduced price for the house - NO RESPONSE ( they claim their service as " legendary '' ... ) Our lawyers and real estate agents have been discussing a prospective closing date for weeks, and the ladies have always been a part of these emails ( no response from them ). XXXX did let me know that the locked rate is expiring on XX/XX/XXXX, but did nothing to expedite a new Closing Disclosure document to reflect new numbers. 
I had to contact their supervisors, XXXX XXXX and XXXX XXXX, to ask for help and assistance. XXXX responded - she was excessively apologizing for her employee, XXXX XXXX, who neglected her duties. She assured me the rate would not change till XX/XX/XXXX. It took XXXX a couple of hours to update the Closing Disclosure ( CD ), and I signed a new one. We all finally agreed on XX/XX/XXXX ( today ) as the closing date. 
I was on my way to XXXX ( 2.5 hour drive from XXXX!!! ) when my lawyer called me to inform that TD bank people are not ready for the closing ... They did not finalize the paperwork or something like that. That is UNPROFESSIONAL, obnoxious, and so rude!!! They did not even call me to let me know of the " changes '' - and they have always been part of ALL my e-mails to the real estate agent/s and/or the lawyer/s. 
Everyone ( real estate agents, lawyers, myself ) got appalled by their " legendary '' service. If they plan to procrastinate in order to change the rate ( which is TD bank 's common practice ), it is not my fault and not my financial responsibility to pay for extension since XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX procrastinated with my mortgage. 
I ask for your help and assistance with my case. 
P. S. Eight years ago, I had an extremely painful experience with TD bank when I applied for a mortgage loan for my apartment in XXXX. At some point, I reached high rank TD officers in XXXX XXXX, NJ who helped me with the closing and financial issues created by unprofessional mortgage officers. I am so grateful for their assistance. I promised myself not to deal with TD bank in the future. Never say never ...
Consumer complaint received 2020-12-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (CO)

I purchased XXXX dollars worth up automotibe parts through Acima. They ended up being defective and I was told there is a life time warranty that isnt being honored. The car is now unsafe to drive and a death trap. I dont owe anything. I've been asking for a refund and to return the parts.
Consumer complaint received 2018-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (KS)

XXXX XXXX aka. Wells Fargo. 
I purchased a large item and to get credit the seller started this Wells Fargo account with my permission. 
The account was always paid on time. 
I did a balance transfer to pay this card off. 
After the final payment went in I checked the account on-line around XX/XX/XXXX and the account said {$0.00} balance. If there was a balance at that time I would have paid that also. 
Balance transfer payment was sent on XX/XX/XXXX.

Wells Fargo acknowledges receipt on XX/XX/XXXX The due date for the payment was XX/XX/XXXX Wells Fargo never sent another bill in the mail after I tried to pay this account off. 
They assessed interest on the account before the payment went in. Then charged me a {$38.00} a month late fee. They said they contacted my wife and made payment arrangements but never received a payment. This never happened. My wife never talked to them. The only way I found out about this account being delinquent was seeing my complimentary credit score on my other card bills going down so I got curious as to why and requested a credit report from XXXX. After I found this account was posted as 120 days delinquent, I called Wells Fargo to settle the debt. By this time an account that was supposed to be paid off was sitting at around a {$200.00} balance. I spoke to a Gentleman in the collections department and told him I was not going to pay {$200.00}. He said that he would take a {$140.00} payment that day to clear the account. I asked him if I paid that day, if they could remove at least some of the late payment entries on my credit report since this whole late thing and the balance was up for dispute. He said he would submit a letter stating that the balance amount was disputed and that was why it was not paid until this payment. I also submitted a dispute with XXXX which only came back as paid with all of the late payment entries still on the report. I acknowledge that the payment came in late and that I initially owed them a small interest payment and the first late fee. However I checked this account on-line and it said XXXX balance. I did not know the payment came in late until I called Wells Fargo about the credit report. I feel like I was basically set-up because as I stated above, not one more bill or statement arrived in my mail after I tried to pay this account.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

A bankruptcy is showing on my credit bureaus of all three major credit bureaus although the filing was cancelled the same day and therefore it was dismissed with a XXXX balance. 

I have disputed this mater several times and it still shows on my bureau. It was not actually me filing. It resulted in fraud on my behalf. 

XXXX Transunion XXXX
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1831 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-03
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. (PA)

To whom it may concern, I have recently viewed my credit report to find the inaccurate accounts reporting under my name. I dont know how these accounts were connected to my credit report and I never gave Equifax or XXXX XXXX any written consent to report anything on my consumer report, according to the FCRA no consent is a direct indication of identity theft. I did not open these accounts, THEY ARE CLOSED ACCOUNTS that match the attached identity theft report included. Please see attached supporting documents and affidavit. 
I am demanding deletion of the accounts below : XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Thank you, XXXX XXXX
Consumer complaint received 2018-04-01
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. (TX)

I been writing all 3 credit bureaus concerning a few items. The first would be XXXX XXXX that has a fraudulent account that was not opened by myself about 4 or 5 years ago. I called the company and the company told me that the fraudulent account should drop off my reports within 45 days, which it didn't. I disputed this item with all credit bureaus in XX/XX/XXXX and it still hasn't been fixed. I have an open account that is current with XXXX XXXX and am in good standing with but I didn't know about the other account until my reports were pulled when trying to get a home loan. The second item that is inaccurate on my account is missed payments and collection status from the child support agency. The account has been in litigation for years because the child support agency wasn't tracking payments that were going directly to the mother in support of my child through my benefits. About 4 years ago, I received an order deleting all past, present, and future payments. I sent letters to all credit bureaus XX/XX/XXXX to have the information taken off my credit reports. The accounts still show with negative information on it when it shouldn't. Also, I had a fraud alert on my credit reports, some since XX/XX/XXXX in which they still allowed companies to pull my credit. Although most fraudulent activities were prevented, the bureaus still reported all the credit inquiries on my report bringing my credit score down drastically. I couldn't do a police report for the inquiries that wasn't done by me because according to them, nothing was stolen. In order to do a police report on the inquiries, an account would have to be opened by the perpetrator. So I have like 50 credit inquiries in which I wrote to the credit bureaus and specifically stated the inquiries were not requested by myself, nor did I give permission for my reports to be pulled by those companies/people. The credit bureaus are not doing the proper investigations into disputes. If they were, these items would be removed because they are inaccurate.
Consumer complaint received 2023-07-03
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. (MO)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NY)

Checked my credit score through my primary bank ( XXXX ) on XX/XX/XXXX. Discovered that XXXX XXXX XXXX XXXX negatively affected by a credit card under SYNCB/PPC having created a {$3400.00} charges to a credit card I had not opened. 

On XX/XX/XXXX. I contacted the XXXX number provided by XXXX that connected me to XXXX and XXXX bank where I confirmed my identity and confirmed that the credit card was created fraudulently. I was eventually connected to the fraud department at SYNCB/PPC who said they had now closed the account while they investigate the matter. 

It appears that the credit account was created in XXXX of XXXX and had not been used until recently so I hadn't noticed any effect on my credit rating nor received any communication about the account 's creation. 

I do not recall giving any of my information out online to any disreputable source however my SSN is required to be submitted to employers and other accounting services when I send invoices. I plan to check if my information has been acquired through any data leaks or service hacks. 

I am planning on reporting the problem the the major FICO companies and issuing a fraud alert on my credit. If any problem persists then I may freeze my credit.
Consumer complaint received 2021-09-08
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. (CA)

When I was reviewing my credit reports on Experian, XXXX and XXXX I was shocked to see a negative credit card on my report. I realized that is it NOT my account and a result of fraud. I have excellent credit score and this fraudulent account is really damaging my credit score and reputation. I filed a identity theft report on FTC already and had mailed the credit reporting agencies everything they needed. I tried calling the agencies multiple of times and they just put me on hold for more than an hour just to disconnect me. They have not resolved my identity theft issue or even contacted me for an update.
Consumer complaint received 2018-02-20
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. (FL)

Around XX/XX/XXXX, I obtained a car from a buy here pay here lot named XXXX XXXX XXXX XXXX   in XXXX, FL. Which was my second vehicle through this company. I used them this time and the prior time because I didn't have the credit score needed to purchase at a normal car lot. So, I was referred to them by XXXX XXXX XXXX because was told that XXXX XXXX didn't base approval off of your credit score and the downside was they also didn't report payments made to your credit report. So I wouldn't see the benefit on my credit by buying a car through them but it would help me get a car that I desperately needed. So it was my understanding both times that I was approved based off of my income and employment history alone. The first car was totaled in a car accident and was paid off by my insurance company. This car was never reported in any kind of way to my credit report. The second car I returned in XX/XX/XXXX due to a very nasty divorce. My ex-husband had knowledge of the vehicle I was driving and it was in the best interest of my children to return the vehicle and he also had possession of the vehicle and would not return it to me. My ex-husband contacted XXXX XXXX and had them retrieve the vehicle from his work without my permission. I never received a call or letter from XXXX XXXX to make any kind of arrangements to get the car back or that I owed any kind of balance. I didn't even change my phone number until months later and my address change was completed with the post office immediately after me moving, so if letter sent it would of forwarded to my new address. Then this month XX/XX/XXXX almost one year since returning the vehicle they posted a negative closed account on my credit. How can they now report to my credit before 1 ) providing me with a statement showing the balance after sell of the vehicle 2 ) report after they never reported payments of information with either vehicle prior to this date 3 ) report a loan that was not based on my credit to begin with 4 ) never providing me with a notice of balance due and giving required dates to dispute the item or make payment arrangements before placing on my credit? 

I contacted them on XX/XX/XXXX and asked how this item was on my report and they stated they just began reporting to credit agencies recently. So how can the report accounts that are old and before this new process? I also asked for information on how I owed the amount on my credit and was informed that she thinks it was sold and that the company wrote off the balance years ago.
Consumer complaint received 2016-08-17
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY (NY)

I called TD Bank and asked how much it would be to protest a check tat their customer wrote since he has refused to come into pay for it. After keeping me on hold for over fifteen minutes they informed me that they do not protest checks. In New York we need to protest a check before we can go to the police to try to recoup our loss
Consumer complaint received 2022-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO. (IA)

Last Thursday, I received a phone call that went to voicemail. It was apparently a recording, since the beginning was cut off. It turned out to be from a collection agency that threatened to file a XXXX and report me to credit bureaus. The message told me to go to their website, XXXX 

Since I was unaware of any delinquent payments, I went to their website. The name on the collection agency 's website was XXXX XXXX XXXX. The phone number is listed as ( XXXX ) XXXX, but there was no email or postal address. I was asked to enter my phone number and the last XXXX digits of my Social Security number. My supposed debt was to Washington Mutual, a company that ceased to exist in XXXX. 
I did at XXXX time have a credit card from Providian that got taken over by Washington Mutual, but that debt was discharged when I filed for Chapter XXXX bankruptcy ( Case No. XXXX, Date of Issuance : XX/XX/XXXX ). I dug out the paperwork I received afterward to make sure that my debt to Washington Mutual was, in fact, listed among those that were XXXX. 

According to the last page of the document, " The discharge prohibits any attempt to collect from the debtor a debt that has been XXXX. For example, a creditor is not permitted to contact a debtor by mail, phone, or otherwise, to file or continue a lawsuit, to attach wages or other property, or to take an other action to collect a XXXX debt from the debtor. '' After visiting XXXX 's website, I received a text message from " XXXX with XXXX '' ( XXXX ) offering to help resolve the matter, but ending " calls XXXX continue unless already resolved. '' I replied that this was a debt that had been XXXX to a company that no longer exists, and said that I would be reporting these attempts to the appropriate authorities. I received another call today, identical to the first XXXX but from a different area code. These calls are causing me to lose sleep and be unable to concentrate on my work! 

I am attaching a recording of the call I received today ( Monday, XX/XX/XXXX. )
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc (GA)

Venmo in which I was receiving unemployment benefits ; without notice and explanation froze my account with {$5900.00} in unemployment benefits frozen since XX/XX/2020. I am requesting an investigation and asking the my consumer right are protected and my much needed FEDERAL UNEMPLOYMENT IS RELEASED IMMEDIATELY. THANK YOU XXXX XXXX.
Consumer complaint received 2022-11-19
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXX XXXX Balance : -