davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2016-12-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (OR)

My bank reduced my credit limit based on information from Experian. I immediately pulled a copy to see no issues and a score XXXX points higher then what they received. However, the bank says they are using a Vantage Score. Apparently, bureaus give consumers a FICO and use that on their credit monitoring programs. I have asked for the Vantage Score as well via mail. A consumer CAN NOT obtain this on the website and they have no option to speak to a person to address this Vantage issue at their phone number. How is this fair credit reporting?
Consumer complaint received 2021-03-27
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Ordered software XX/XX/XXXX Scheduled delivery XX/XX/XXXX, not needed too late and refused it. 

I chatted with XXXX many times and left message with 3rd party supplier # XXXX letter rebilled {$29.00} because info not supplied. Whay info? 
I explained dispute in my complaint to cfpb XXXX and XXXX I did not get or take possession of merchandise Please re credit {$29.00} and send me response from XXXX when received. 
Does your policy still stand if not heard from XXXX in 90 days then credit is permanent? 

If I see response, I can then see if security guard signed for package. 
All deliveries must go thru condo security card and then we notified I have not received any notification at all
Consumer complaint received 2021-02-25
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: Consumer Portfolio Services, Inc. (NC)

Consumer portfolio services put 2 inquires on my XXXX  report. The same date on both. I called XXXX they told me to call them gave me a phone number but the number doesn't work. I don't mind 1 inquiry on my credit but not 2 of the same thing. I need help in getting 1 off XXXX wouldn't know help at all.
Consumer complaint received 2023-04-03
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Personal Information CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX EMPLOYER : XX/XX/XXXX Inquiry XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I notified Equifax that I am a victim of identity. Dear Equifax, XXXX XXXX XXXX am not a third party and I have and still do give authorization for my credit report to be corrected
Consumer complaint received 2023-04-03
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (WI)

Ok So PayPal Limited My Account For No Reason and I Have {$100.00} Dollars on Hold And its been more than 180 days and I still have not gotten my money withdrawn I need that money for Family Emergencies
Consumer complaint received 2021-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc. (FL)

HireRight is the company entrusted by XXXX XXXX to conduct background checks on their candidates. I filled out the paperwork and turned it in on XXXX. On the same date HireRight completed the whole report. I was not notified of any problem until XXXX when XXXX XXXX sent me an email notifying my something was not checking out in the report and this could mean an end to my offer of employment. Alongside XXXX XXXX email in the attachments was a specific report on the education section. The HireRight report had the incorrect institution name and address as " verified information ''. I provided the correct information to XXXX XXXX but I guess that never made it to HireRight as they " continued '' the background check. On XXXX I was notified by XXXX XXXX that they had reconsidered adversely my offer of employment in whole or in part because .of information on the HireRight report. On XXXX was the first time I was able to see the full report and read the full content ( Other than having the wrong information on the institution, they also claim the school was not accredited or valid ). On XXXX I contacted HireRight to start a dispute, they had never received the corrections I had provided XXXX XXXX and so I proceeded to give them the correct information over the phone. The day after I also sent them supporting documents such as diploma and transcripts XXXX ( friday ). On XXXX, they claimed they were done with the investigation on the dispute and still held that the school is not valid, They also claim what because the school is not " valid '' they will not contact to verify if I attended or not ( which is contradictory to the notes they made on my report on XXXX where they state, they sent a fax to the school ). When I called that week they told me that although the investigation was done, that a performance review of the investigation was still not completed. The following week they said the report was done, and just reiterated the school was not accredited by their standards and that's it. But my report was never updated, still to this date the information on there is from XXXX with erroneous information on my name during school years, school name, address, accreditation information, claims that the school is not listed with the Florida department of education ( which it is ) etc. If the school is indeed no good, I would like the report to indicate the correct information so that I may bring it up with the school, but to these inefficiencies I question if HireRight really do its due diligence.
Consumer complaint received 2015-10-10
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (OR)

Ocwen mismanaged our loan documents. When we went to sell our house, they could not find a lien for 3 Months. This caused us to be homeless and had to live with no income for over 3 months. We have had issues caused by the delay. We have lost a years income and have suffered tremendously since this issue began. The loss we have is tragic, but they have also left us with an unsecured attachment to a loan that is for {$24000.00} Anyone that wanted to lay claim to me for that amount could. I have no home as an asset, yet I could owe someone at any time. Because my lien was not properly entered into their system I was left holding a loan on my credit. They were responsible for getting the financial documents processed correctly. They have the ability to hold up someone 's life by their actions. This claim needs to be resolved. I do not believe I should have been treated this way by this company.
Consumer complaint received 2023-04-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-20
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. (NY)

I have been disputing negative items on my report for months I have not received how these items was validated on my account and these recent reports have not fixed my problems please look into my reports and correct these issues it has been more then thirty days as well
Consumer complaint received 2015-10-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (CA)

My mortgage lender Caliber Home Loans sent me a letter stating that I need to contact them to opt out of communications that involve them sharing my private info with their affiliates. Their letter was confusing and stated that I could send an email to XXXXXXXXXXXX to opt out. I sent an email with that request but it bounced back with the following errorDelivery has failed to these recipients or groups : XXXXXXXXXXXX ( XXXXXXXXXXXX ) Your message ca n't be delivered because delivery to this address is restricted. 
For more information about this issue see DSN code XXXX in XXXX. 


They appear to be making it very hard to opt out for a consumer. There is no link on their website to do this via a profile setting ; you must send an email to an address that does n't accept emails. 

XXXX XXXX
Consumer complaint received 2021-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I reviewed my credit report and seen items on my credit report that were not accurate and I did not recognize. I sent a letter as recommended to the bureau explaining all the items that I wanted to dispute on XX/XX/2021. I sent the letter to the credit bureau explaining which items that should be investigated. Based on the Federal Credit Reporting Act it says that the bureau should have completed their investigation or responded to me within 30 days and notify me of the results. Its been over 30 days and I recently checked my credit report again and it is still showing the same items I disputed. I also wrote a letter demanding them to respond because it is way beyond the 30 days and they should have responded already. At this point, I do not know what else to do because my disputes have been ignored and no investigation has taken place.
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (OH)

I have a Barclaycard Visa XXXX Rewards. 

I dont use XXXX XXXX for small purchases or XXXX. 

Therefore, I did.t request this kind of rewards.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Personal Information CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX Inquiries XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

I have repeatedly requested Experian Consumer Assistance to remove a " XXXX XXXX '' who social security is quick different my my own, which is constantly hindering my credit approach to a better life. XXXX and XXXX got it right, still Experian has failed to correct the problem. See attached 8 page credit report.
Consumer complaint received 2015-05-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

Experian has again sent misleading and false results, citing items I never disputed and disallowing me from viewing my report on line. They have XXXX Fraudulent Inquires that I have sent XXXX LAW ENFORCEMENT REPORTS IN, with respect to XXXX, XXXX, XXXX They refuse to comply with the law, and thus deny me access to my report and ability to dispute items. They have an address listed I do not reside, ironically an inquiry listed at such address. They are purposely doing this in contravene to the FCRA. This is tantamount to fraud
Consumer complaint received 2023-04-03
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-04-03
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. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In summary, I have been experiencing issues with a consumer reporting agency, specifically EXPERIANXXXX XXXX The initial notice was sent to the companies on XX/XX/XXXX, and despite allowing ample time for investigation, the issues persisted. On XX/XX/XXXX, I obtained all copies of my consumer reports, revealing numerous inaccuracies in negative accounts. 

These inaccuracies have adversely affected my ability to obtain credit, leading to high-interest rates on loans due to unauthorized reports. I have faced financial exploitation, as these companies have been compiling information on me without my consent since my legal age of XXXX, creating a forced non-consensual bond over the last XXXX XXXX. My information is being trafficked and transferred without lawful consent. These Companies are committing Criminal coercion. 

The company has failed to respect the Privacy Act of XXXX, claiming not to be required to follow it, and disregarding my consumer rights. They have consistently opened reports in my name without written consent or a request for such release of information. The situation has eroded my trust in the banking system, resulting in rejections for credit cards and loans essential for my transportation needs and living situations. when I called the companies the more information they have added without my consent and random addresses they have added to my report they are causing massive detriment upon my likeness. They're bidnign me to involuntary servitude. Where they won't respect my LAWFUL right to my personal right to privacy of information and know I NEVER GAVE WRITTEN CONSENT.
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (AR)

I had a prepaid American Express card that was issued by XXXX XXXX. In XXXX of 2018 my card was stolen by an individual I did not know. I filed a police report when I found out that they had used my card at several local places as well as online. I filed several disputes over the last three years with American Express, even sending copies of the police reports and online purchases that showed a different name than mine, and American Express continues to claim that the merchants showed these transactions were valid, even though they were not my purchases and that my card was in fact stolen. Camera footage also shows that the person using my card was not me. The person who stole my card was arrested and admitted to the crime ( all in the police reports submitted ) and American Express still claims that I am responsible for all these charges and will not return my money.
Consumer complaint received 2017-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (TX)

I have terminated my contract with XXXX on XXXX of XXXX they kept charging my account so I had to dispute it with my bank. XXXX did fail to provide the proper documentation supporting the legitimacy of these charges, so my bank closed the case to my favor blocking further charges from XXXX. 

On XXXX of this year XXXX I was surprised to see on my credit report that on the XXXX of XXXX XXXX they have sent me to collection for the amount of {$370.00}. I have no idea where this amount came from nor have I received any notice about it. 

Hope you can help me sort it out and maybe get this off my credit report since it did impact it significantly. 

Thank you so much and have a wonderful day
Consumer complaint received 2023-04-03
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. (DE)

I noticed there was a late payment reporting on my credit report, and under 15 USC code 1681a definition and rules of construction ( 2 ) exclusions : the term credit report does not include ( i ) : report containing information solely as to transactions or experiences between me the consumer and the person making the report. I also recieved an alert on my credit monitoring service that XXXX XXXX fixed the error and updated everything to current, so there should be no late payment reporting at all.
Consumer complaint received 2021-11-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

See attached correspondence from sps servicing. In their letter they claim to be committed to home retention and are here to help. Their correspondence not only falls short but could not be more hypocritical. SPS is in receipt of complete financial package since XX/XX/2021 and never review the account for loan modification, nor provided an acknowledgment letter despite the fact that we qualify for standard loan modification.