davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-25
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. (CA)

In accordance with the Fair Credit Reporting Act, the following companies are listed below : XXXX XXXX account # XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

XXXX, account # XXXX, has violated my rights. 

XXXX XXXX, account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 602 ; it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-03-24
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (KY)

The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX XXXX / XXXX / {$350.00}
Consumer complaint received 2021-05-07
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: Affirm Holdings, Inc (CA)

I have never taken a loan not made any purchases with their credit. 
I purchased something in XXXX and have my Visa Debit Card to prove I paid for my purchase. 
I have and had some an excessive amount of income credit cards and good credit. 
I can provide proof that I paid for my merchandise using my XXXX Visa Debit Card This is FRAUDULENT
Consumer complaint received 2022-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I am writing to update my credit report with the correct information. I am a victim of identity theft and did not make the follow=? ing charges on my credit report. all correct information for all XXXX credit reports are supposed to be 100 % accurate. the information is incorrect. to protect my account I included the accounts, dates, amounts of the identity theft or incorrect information. all creditors listed theft or incorrect information
Consumer complaint received 2018-04-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA (MN)

On XXXX2016 I brought a XXXX XXXX XXXX XXXX  The dealership I purchased it from was XXXX XXXX XXXX.The agreement was for 75 months at {$350.00} at a 12.4 % interest. I did not understand that the 12.4 % was not the actual total interest that will have to be paid. I believe that I was targeted and received a predatory loan. I believe that most of their customers received better rates and access to higher end cars. Nor was I told that I had time to opt out of loan. I was told that I was getting a {$2000.00} discount for the one year depreciation which I never received.
Consumer complaint received 2022-04-25
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)

In accordance with the Fair credit report act XXXX XXXX XXXX XXXX XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX 2021 15 U.S.C 1681 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 2022-03-24
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: GOLDMAN SACHS BANK USA (FL)

I have a Apple credit card account with Goldman Sachs, and during the pandemic I faced several hardships that caused me to miss one payment. And under the CARES ACT 2020 I was eligible to pandemic assistance and Goldman Sachs never initiated the assistance after several calls. I have one late payment which they told me would be removed under the CARES ACT and a courtesy update removal. But nothing has been done.
Consumer complaint received 2022-04-25
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. (MD)

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

15 U.S.C 1681 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 2022-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (OH)

On XX/XX/XXXX, I was scammed by a guy who we thought worked for XXXX. The purpose for calling XXXX was to reverse some charges to my bank account. The result of the scam I was defrauded out of {$6400.00} out both checking accounts. I contacted PNC immediately on XX/XX/XXXX, trying to stop or freeze all those tractions that were made and was told that they couldn't do anything until after the charges left pending and then I could file a dispute. Once those charges left pending on XX/XX/XXXX, I filed a dispute of which was determined as valid transaction therefore my dispute was denied on XX/XX/XXXX. I am now trying recover what monies that I lost and I feel that if PNC had stop or froze those transaction I could have recovered the money that I was defrauded out of.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (TX)

Synchony Bank issued a card that was opened in my name that I did not authorize. This card was opened fraudulently by a relative and they even made payments from one of my accounts. This has caused my credit to be ruined and lost business opportunities. This is unacceptable Account # XXXX
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (PA)

I XXXX XXXX, the consumer in this matter. Requested my free annual consumer file in XXXX of XXXX from Experian, XXXX and XXXX. Through their toll free number XXXX, thats on their website annualcreditreport.com. All three of the credit bureaus Experian, XXXX and XXXX failed to give me my credit file. I have attempted on numerous occasions to get my file. I signed up for XXXX for the free annual report ; but was only given the number of accounts I have on my file, not the full information that is in my file. XXXX only offers the report you have to pay for or it leads you back to the website they use together or annualcreditreport.com. The three credit bureaus are violation of Title 15 USC 1681g ( a ) ( 1 ) ; Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request.
Consumer complaint received 2022-03-24
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. (TX)

I have reached out to all three credit bureaus XXXX, Equifax, XXXX. I reached out to them regarding the charge off debts they were reporting i started this process XXXX XXXX. Within 30 days XXXX will send back the debt is verified and updated. I never received a response from XXXX nor Equifax. I have requested 3x for all of them to tell me how the debt was verified. I never received the information back. Which i have asked them to remove the incorrect information they are reporting because of my FCRA rights. Still no change in my report. This is hindering my character.
Consumer complaint received 2018-04-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Sortis Financial, Inc. (MD)

In XX/XX/XXXX my mortgage was transferred from XXXX to XXXX XXXX. In XX/XX/XXXX, I mailed a check for the mortgage to XXXX ; then after that, starting in XX/XX/XXXX, payments were automatically sent from my account. I received a letter from XXXX stating that my mortgage had been transferred to Sortis on XX/XX/XXXX. I received an official letter from Sortis on XX/XX/XXXX. It stated that my first payment was due on XX/XX/XXXX. I am asking that any back payments prior to XXXX taking over the loan ( then transferring it to Sortis ) be attached to the end of the loan.
Consumer complaint received 2022-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (GA)

XXXX Received Notice of Servicing Transfer from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXXXXXX 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 XXXXXXXX Received Delinquent Notice from XXXX XXXX Called XXXX and spoke to an agent who advised that the XXXX XXXX XXXX XXXX XXXX was rescinded in XXXX XXXX though I have not received a rescind notice. Agent attempted to collect XXXX mortage payment + late fees, though the payment was made to their designee, XXXX XXXX, on time as previously instructed. Agent confirms that prior payments sent to XXXX have been credited to my account. I sent proof of payment for XX/XX/XXXX to XXXX XXXX via email. Agent was incredibly aggressive and rude and attempted to collect personal information to be used in collecting debt which was not owed.
Consumer complaint received 2021-05-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (TX)

I have disputed the debt numerous times and XXXX XXXX refuses to validate the debt. I need it removed from my credit reports as it is in federal violation of 15 U.S. Code 1692G. I need this removed from my credit reports immediately or they will be subject to a fine. They are reporting inaccurate information.
Consumer complaint received 2018-04-30
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. (CA)

Step 1 : What is this complaint about? 

XXXX XXXX has sent inaccurate tradeline information to Equifax about my credit card four times in XX/XX/XXXX. 
I want the inaccurate tradeline information removed, and have contacted customer service at XXXX XXXX and Equifax to alert them that the information is inaccurate, and I want it removed. 

Step 2 : What type of problem are you having?

My credit report is continuously monitored by the TrustedID Premier service by Equifax. I have received four emails in XX/XX/XXXX notifying me about changes to my credit report, made by XXXX XXXX. The changes to my tradeline that have been reported to me are inaccurate. 

Step 3 : What happened? 

On XX/XX/2018 and XX/XX/2018, XXXX XXXX reported to Equifax that my account had been Affected by natural or declared disaster. 
This is wrong. I have not been affected by natural or declared disasters, and I did not make any such report, ever. I know of no natural or declared disasters in my surrounding area. 
On XX/XX/2018 and XX/XX/2018, XXXX XXXX reported to Equifax that Consumer disputes after resolution. 
This is wrong. I did not make any consumer dispute on my XX/XX/XXXX account in XXXX or XX/XX/2018 at all. I paid my accounts on time in each case, without making any kind of dispute. 

Step 4 : What company is this complaint about? 

This complaint is about XX/XX/XXXX customer service and Equifax TrustedID Premier Customer Care. 
I contacted the TrustedID Premier Customer Care Team at XXXX on XX/XX/2018 to report the inaccurate tradeline update made to my credit report by XXXX XXXX. Equifax TrustedID Premier Customer Care Team told me there was nothing they could do, and I should call XX/XX/XXXX. 
I called XXXX XXXX customer service ( XXXX ) on XX/XX/2018, and described the problem to them. They said they would clear up the inaccurate information and remove it from my credit report. 
On XX/XX/2018 I received a letter from XXXX XXXX saying they corrected the issue. However, they did not. The inaccurate information has remained on my credit report, and they have added more incorrect information each month of XX/XX/XXXX. 
In addition, the correction XXXX XXXX claimed to have put in place was in itself inaccurate. They said my account was no longer in dispute. That was not trueit was never in dispute in the first place. 
When I received information about more inaccurate updated tradeline reports being made to my credit report by XXXX XXXX, I called their customer service line again on XX/XX/2018 to complain about the inaccurate information they keep reporting to Equifax. 
Once again, XXXX XXXX did nothing to correct the situation. 

Step 5 : Who are the people involved? 

The people involved are myself and the customer service representatives at XXXX XXXX and Equifax TrustedID XXXX Customer Care.
Consumer complaint received 2021-05-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (NV)

In XXXX, when XXXX XXXX had a promo for streaming of XXXX XXXX XXXX for {$14.00}, I tried signing up. I never got a confirmation ; I never got to watch the movie and the movie was pulled out by the end of XX/XX/XXXX. 

By email and thru XXXX XXXX, I learned that somehow, that I was being charged for the streaming service which can be streamed only through XXXX. I canceled my subscription with XXXX back in XXXX when that company warned me that XXXX XXXX sets will no longer be supported by their company. All of my TV sets were manufactured by XXXX. Furthermore, I disputed the XXXX charge and was consequently refunded for the charges for XXXX XXXX XXXX and XXXX of XXXX. 

When I disputed the XXXX charge of {$12.00} with XXXX in XXXX, I got nowhere. I wrote their corporate office and closed my account with them as a means of stopping the recurring charge from XXXX. I also canceled any dealings with XXXX altogether. 

Instead of acknowledging my dispute with XXXX and Citi Collections, they charged me a late fee for more than the original charge of {$12.00}. 

I find their action filled with malice when the charge was reported to the credit reporting bureaus while the monthly charges of {$12.00} for each month of XXXX and XX/XX/XXXX are being disputed.
Consumer complaint received 2021-05-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc. (TN)

We purchased a Water softening system through XXXX XXXX XXXX, which they have their own finance company, Aqua Finance Inc. My husband is in the military and we were told we qualified for a special offer because of our credit and his status. We were to pay {$8000.00} for the system and only pay 10 % on the first {$1500.00} of the loan. We are now paying 0.03011 % /day for 10 years. It comes to {$6000.00} on a loan of {$8000.00}, we would pay {$14000.00} on a system that should have cost only {$5000.00} because they overcharged us for that as well. My parents looked into other authorized distributors of this product and it should have only cost us $ XXXX {$5000.00} with installation. We were told if we did not sign that day that we would not receive the special interest rate unless we signed there and then. We could get a personal loan for 4 % today with our credit. They are completely taking advantage of our age and military background. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Salesperson- XXXX XXXX XXXX XXXX Aqua Finance Inc . 
XXXX XXXX XXXX Dept. XXXX XXXX, AL XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2022-07-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIRST HOME MORTGAGE CORPORATION (MD)

Back in XXXX I was unable to pay the mortgage every month due to my spouse losing their job. So I tried to work with my mortgage company to either lower the payments or go in to forbearance. They either gave me thr run around or denied me in the span of amount XXXX. So we reached out to the MD Homeowner Assistance Fund And got approved to have out mortgage paid off but our Mortgage Company will not respond directly to their request. The only thing they were about to stop was our sale by date which was in XXXX. 

No matter how many calls I make to make the connection between the program and my more company it falls on deaf ears. They gave me an email and no one has responded to their request. 

This is very frustrating and it will be a year this XXXX.
Consumer complaint received 2020-04-16
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

My credit report is reporting negative information on an old mortgage. The account number is not verifiable " XXXX ''. I have tried to call BoA and also all three credit bureaus to resolve this information but I am unable to do so. I am unable to verify this information.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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  -US DEPT ED XXXX  15 U.S.C 1681 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 an account without my written instructions.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the Fair Credit Reporting act XXXX, Transunion and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


According to the 15 U.S.C 1681 section 602 A. I have the rights to privacy These addresses do not belong on my credit report : Name : XXXX XXXX. I Do not go by this name. 

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Neon Newco Corporation (CA)

I disputed a charge on my Netspend card, and instead of simply investigating the line item, the representative said he had cancelled the card and was mailing me out a new card within three days. I was on travel at the time and this action left me stranded overnight outside. 

Two weeks later, I went to my XXXX XXXX to retrieve the card, and I discovered that it had never been sent by Netspend. I called to inquire, and the new representative told me she would send out another card in three days. I asked to speak to a manager, hoping that a manager could order a same day or 24 hour delivery. ( Additionally, I asked if the money could be XXXX XXXX, wired into my bank account, or put onto another Netspend card I had purchased in the interim ; they refused all of these options. ) The manager I eventually spoke with cancelled the order of the second representative, telling me she was going to get the card to me faster, within two days. Instead, she failed to ship out a card. It is now two days later, weeks past the original error, and this company has kept me on hold for over an hour each time I call, causing my cell phone battery to die. Regardless, they have my phone number, my email address, and all the information they need to ship me out a new card, expedited. Additionally, Netspend has been charging {$1.00} for every transaction on the account, adding up to hundreds of fees. I would like those fees refunded in total due to this inconvenience. I had a lien put on my storage, I had to give up my car ... I have bills to pay and need access to my money!!!!
Consumer complaint received 2019-03-27
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AES/PHEAA (OK)

They failed to properly notify me of student loan debt. No written paperwork concerning my debt or payment options. Just ended up having late payments on my credit report without proper notification of when I was supposed to pay or my plan. I was sending in paperwork for my payment plan but was never notified or sent back paperwork to communicate if paperwork was received. Then I ended up having all these late payments on my credit report which is unfair and not lawful.
Consumer complaint received 2022-06-09
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. (FL)

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

15 U.S.C 1681 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