davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

The credit bureaus stated that my account XXXX XXXX XXXX was properly investigated but they continue to report inaccurate information. The following errors were identified : The balance of the account is incorrect The account status is incorrect Last Reporting date is incorrect 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (IL)

On XX/XX/20, I called Discover and asked for the second time that my payments be paid towards my higher interest balance. I have two balances on the card one with 0 % interest. They said I had no choice in how my payments are allocated. I want my entire payment to go towards my higher interest balance NOT the 0 % interest balance.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act ( ex : XXXX Account # XXXX violated my rights. 
**Please update the payment history with these accounts on file** In accordance with the Fair Credit Reporting act ( ex : XXXX XXXX  Account # XXXX violated my rights. 
**Please update the payment history with these accounts on file** 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2020-06-24
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. (NC)

I'm trying to get a small loan to make some renovations to my house but today XXXX/XXXX/2020 they ran my credit and they told me that I did not get approved because I had too many accounts in negative standing appearing on my credit report. I had no idea that there were accounts in negative standing on my report so I looked through it and I saw about ten accounts on my report that I never opened. The accounts are from companies that I have no written or verbal contract with ; I did benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I never made payments towards any of these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau. I have filed this report to the best of my knowledge.
Consumer complaint received 2022-10-04
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$530.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed XXXX {$940.00} XXXX XXXX XXXX Balance Owed : {$5400.00} ; XXXX XXXX  XXXX Balance Owed : {$6100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-01-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC (FL)

In XXXX of 2017 I decided to get solar energy to help with climate control. 
An XXXX XXXX XXXX came to My house to sell me the panels. He said I could have a loan which I could get a credit on my income taxes and the payment would not ever increase. 
After several increased. I did not understand why. In these two years the panels did not save me money I complained but nothing was done. I hired another company & they suggested I add more panels. Bills still did not decrease & no response from company. 
A neighbor hired XXXX XXXX XXXX with good results. They came out & said they had a system which would work. They found that the permits had never been pulled & electric panel was out of date & could have caused a fire. They replaced the panel. The bills went way didn't to {$27.00}. I then had a new loan & was told I would get credit on my income tax. 
I have since found out they never registered the new panel with XXXX. The loan has now increased again and after a lot of investigation from An outside company & My accountant that I do not pay enough taxes to get a deduction. This was never Explained to me. I could have been given an option to lease ( from another solar person ) the equipment & the amount would have remained the same. 
I Am a XXXX XXXX  who trusted these companies & neither one of them gave all the correct information. I have also been told they should have seen the roof was 20'years old and not a good idea to install solar panels. Now I need a new roof & it will be costly to remove & reinstall the panels. 
I feel that my lack of knowledge has left me in a financial crisis with two loans & one for panels that don't work. I spent some time gathering data for an attorney to help me & after spending all that time he said he could not help. Me because there was no money in the case. 
I fell alone in a sea of misinformation from salespeople who have no integrity about their work. 
I would love to see some action taken. At the least I would like the first loan eliminated. I have paid a great deal for nothing. Mosaic the loan company takes no responsibility. 
If there is any thing that can be done to insure accountability I would appreciate it. 
These companies should not be in business. 

XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX Fax XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

Company incorrectly reported account 30 days past due in XX/XX/2023. My account was in forbearance. I submitted a request for correction along with proof my account was in forbearance, and the little snakes are claiming it was past due. Another agent I spoke with said it didn't matter, once they make a report they won't correct it, even though my account wasn't past due.
Consumer complaint received 2023-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

Over the course of 3 years US auto sales had disabled my vehicle several times after payment was made they also sold me a truck an the transmission went out in the first year then they sold my account without notice or warning regarding the new company or any warning that they were closing for good no written communication nor phone calls from us auto sales
Consumer complaint received 2019-10-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (DE)

On XX/XX/XXXX I opened a CIti checking and Savings accounts as a result of a {$500.00} advertised promo I got in the mail. In early XX/XX/XXXX I contacted Citi to verify what else is needed for me to get the {$500.00} promo, they told me that my account wasn't eligible for the promo. That was the only reason i opened the account.
Consumer complaint received 2020-06-24
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. (FL)

AS I WENT TO MY TAX PROFESSIONAL TO GET MY TAXES FILLED, MY CONSULTANT TOLD ME THAT I WAS NOT ABLE TO FILE MY TAXES DUE SOMEONE USING MY IDENTITY. AS I'M TRYING TO GET THAT TAKING CARE I DECIDED TO GET CREDIT REPORT PULLED. WHEN I GOT MY CREDIT REPORT THERE WAS A NUMEROUS LISTOF THINGS THAT I HAVE NEVER APPLIED FOR IN MY LIFE. PLEASE REMOVE THESE OFF MY CREDIT AS SOON AS POSSIBLE. SPRINGLFIN XXXX {$3700.00} XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX
Consumer complaint received 2020-06-24
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. (CA)

I was looking at my credit report today XX/XX/2020 because I'm thinking of refinancing my mortgage soon, however, I saw XXXX accounts that aren't mine. The accounts are from XXXX XXXX  XXXX for {$140.00} and XXXX XXXX for {$550.00}. I did not open those accounts nod am I affiliated to those companies in any way. I have never allowed anyone to open these accounts using my personal information nor did I benefit anything from these accounts such as money, goods, services or anything else and I did not have anything to do with any payments that might have been made towards these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2019-10-21
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: WELLS FARGO & COMPANY (IL)

I notice that my credit report was ran without my consent on XX/XX/2019 by XXXX XXXX XXXX. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report from the banks they used with no resolve or help. I have contacted the creditors and they some said it will be removed from my report, but after 30 days it still shows. This is unacceptable and XXXX XXXX XXXX and the other creditors XXXX XXXX, Wells Fargo, XXXX XXXX, XXXX XXXX and others havent been any help.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-24
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. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-06-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I have a mortgage with SunTrust Bank and I requested a forbearance under the CARES Act, so they granted me three months of forbearance. Now, however, they want all three months paid or I will be deemed delinquent. How is that possible? What was the forbearance for under the CARES Act? If I could not pay during the last three months, how do they think that I can all of a sudden pay all three months in one lump sum? Is that how this works? 

Also, I had to file for bankruptcy during this period and now the bank is holding that against me stating that they will not accept a reaffirmation agreement until I pay the lump sum. In effect, they are discriminating against me for having filed bankruptcy.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have an inaccurate account on my credit report and i used the experian credit agency to right the wrong and provide me with proof of said account or have it removed and neither was done. Please provide me with all proof of accounts. Thanks
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX  - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, Experian, and XXXX have 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
Consumer complaint received 2020-06-24
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. (MN)

I received a debt collection letter from XXXXXXXX XXXX   XXXX  in XXXX of XXXX. I submitted a debt validation letter that same month because I do not owe the stated debt. I sent my dispute letter certified mail and requested return receipt. The letter was delivered and I have a copy of the return receipt from the delivery. I did not receive a debt validation letter response from the collection agency within the 30 days time frame. It is a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to my verification letter. 

I disputed the collection on my credit report with all 3 credit reporting agencies ( Equifax, XXXX   XXXX ). XXXX and XXXX have both removed the collection from my credit. As of today XX/XX/XXXX, Equifax has not removed it from my credit. The account shows as " Consumer disputes this account information ''. Please help me remove this from my credit report. Equifax is the only company that has refused to remove it from my account.
Consumer complaint received 2020-06-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (IN)

Currently, I'm unable to pay my credit card bills due to financial hardship. I've received numerous calls from them and it won't stop, please see below : XXXX XXXX, 2020 at XXXX XXXX XXXX, 2020 at XXXX, XXXX XXXX XXXX, 2020 at XXXX, XXXX XXXX XXXX, 2020 at XXXX XXXX XXXX, 2020 at XXXX XXXX XXXX, 2020 at XXXX XXXX XXXX, 2020 at XXXX, XXXX XXXX XXXX, 2020 at XXXX XX/XX/ 2020 at XXXX, XXXX XXXX XXXX, 2020 at XXXX XXXX XXXX, 2020 at XXXX Debt owed is : {$3600.00}
Consumer complaint received 2019-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

OnXX/XX/2019,IcheckedmyUSAAcheckingaccountandnoticedtherewasaODAdvanceTransferOUTfor{$210.00}onXX/XX/2019.IcalledandspokewitharepresentativenameXXXXandsheputmeonholdforabout5minutestoinvestigate.Shecamebackonlineandsaidtherewasacomputerglitch/batchingerrorinthebeginningofXXXX.Shestated,USAAITdepartmentnoticedaccountshadtransferredmoneyfromoneaccounttoanotheraccount.Inmycase,moneywastransferredfrommyaccounttomysonsaccount.Mysonsaccountwasnotoverdraftandtherewasnoreasontotransfermoneyfrommyaccount.XXXXstatedtherewasnothingtheycoulddoaboutit.

Iaskedtospeaktoamanager.XXXX,XXXXRepresentativefromtheResolutionTeam,cameontheline.IaskedXXXXhowtheyweregoingtofixthiserror.Ialsoaskedwhydidn'tUSAAsendoutanemail,inboxnotificationorlettertoexplaintheirerror.Theyshouldhavereversethetransferimmediately.
Consumer complaint received 2016-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion has reinserted a collection debt that had been removed months prior to the reinsertion. The debt collector is XXXX XXXX XXXX Acct # XXXX This was done without my knowledge or any explanation why. I did not receive anything in writing.
Consumer complaint received 2020-06-24
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: LEXISNEXIS (PA)

On XX/XX/2017 I received a letter from PENNSYLVANIA DEPARTMENT OF TRANSPORTATION. stating that my Driver 's License Number has two photo images of two different individuals on that record.I wish your office could find out when the fraud was formed!
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

On or around XXXX I contacted XXXX XXXX XXXX after being denied for a home mortage loan for inaccurate late payment from XXXX XXXX XXXX even after are payment extention agreement please see oringinal compalnt in attachment