davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
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. (AZ)

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 2018-03-15
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. (GA)

I am filing a complaint with Experian because I sent the agency a request to VALIDATE accounts listed in my credit file and have the reporting companies UPDATE history on my report and statuses. Experian sent me back a report notatated that the account has been VERIFIED but not VALIDATED. I requested the name and contact number of who VALIDATED this debt and it was not provided. It has been 30 days and nothing has been furnished to me except an updated report and that they verified. The history on these accounts do not reflect my actual payment history and nothing has been provided showing they attempted to obtain information to correct this. My request was not fulfilled within the 30 day time frame and this company did not VALIDATE any of the debts that they continue to report negatively. 
XXXX XXXX XXXX/XXXX XXXX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 accounts total I furthermore know that these accounts were not verified or validated because Experian updated a closed paid in full never paid late XXXX XXXX account from 2014 as included in bankruptcy and this account was closed years prior to bankruptcy. I contacted XXXX XXXXXXXX and they affirm they never reported this as included in bankruptcy because there was no balance in this account and it was closed in good standing experian needs to update this account back to the correct standing. 

I also did not request that any remarks be added to my account and they have done so. 

The reporting in not fair and i feel if you are a credit reporting agency you should be reporting the most accurate information on the consumers because this affects my livelihood.
Consumer complaint received 2020-09-10
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. (PA)

XXXX XXXX XXXX amount of XXXX account open XX/XX/2014 without my consent. 

Attempted to dispute through Experian which never responded. 

Please remove fraudulent account from my report
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I went to Transunion for what I thought was my free yearly credit review and score. Instead, I have been billed for three straight months - XX/XX/XXXX thru XX/XX/XXXX. I never signed up for a pay service. In fact, I never received a monthly or quarterly report from Transunion informing me that they have been monitoring my credit. I happened to notice the charges on my monthly credit card report. I have called them twice. The first time I contacted their representative, one months credit was given, The 2nd phone call I made to Transunion was of no help. I was told by their representative that they only give one month refund and no more. So I am at this point stuck with two months of charges for a service I never wanted and for which they never provided me any evidence of the review. I would be grateful for any help you can provide. Thank you in advance.
Consumer complaint received 2016-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Southwest Credit Systems, L.P. (CA)

I had a XXXX debt from XX/XX/XXXX that was discharged through bankruptcy in XX/XX/XXXX. In XXXX XXXX, XX/XX/XXXX SOUTHWEST CREDIT SYSTEMS, L.P. reported this debt to the credit bureaus. This debt was discharged and this company should not have reported 2 years later and try to keep collecting this debt. I want this out of my credit report.
Consumer complaint received 2015-11-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CO)

Hello, I requested a re-investigation from Equifax for XXXX accounts that were supposed to be deleted from my record. I have attached the letter from the original creditor stating they are closing the accounts. Equifax has done their re-investigation and sent a return letter stating they have verified these accounts and item belongs to me. I am unable to get Equifax to remove accounts from my credit file. Attached is letter from Equifax & letter from XXXX XXXX ststing they contacted Equifax to remove from my file.
Consumer complaint received 2016-09-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (PA)

XXXX has issued on my credit report a deliquency of {$870.00} that is NOT MINE. I have never lived at the address of XXXX XXXX XXXX, XXXX, PA XXXX. I have tried getting this resolved by going to the XXXX center XXXX 3 times. I have called numerous times, I have filled all the necessary fradualant paper work, I have obtained a XXXX police report, I have everything documented and notarized. The charge is showing up on my credit report which is making my XXXX score low which has now affected my wife and I to receive a loan we are currently in the process of obtaining. I have all proper documentation stating that the person with the same name has a different age, different birthday, different ss # as myself. I need to know what my rights are. I have contacted an attorney and if I ca n't resolve this issue I will be filing a law suit against XXXX. XXXX has already admitted that the charge was put onto my account by the collections department ... .the person with the same name never tried to put service in my name. Therefore it was an error on XXXX behalf. They need to fix it. My wife and I have been put through XXXX trying to attempt to prove my innocence that this is not me nor my charge. We are the victim and we are treated like the criminal by XXXX.
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IN)

Accounts for XXXX on my Equifax report are listed as charged-off/bad debt. These debts were included in my chapter XXXX bankruptcy. I 've disputed with Equifax and the response I received is " This creditor has verified to OUR company that the current status is being reported correctly. '' I can verify this account was included in my CHXXXX, but they did not file a claim. I 've attached my Discharge recipient notice and can provide a copy of my CHXXXX filing if needed.
Consumer complaint received 2022-02-03
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: Experian Information Solutions Inc. (NC)

Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2018-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NJ)

Unauthorized " XXXX XXXX '' charges on XXXX XXXX Store Card XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$58.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$57.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$54.00} Plus card egregious FEES of {$520.00} for year XXXX, including XXXX XXXX and inaccurate Late Fees.
Consumer complaint received 2015-10-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

Under " POTENTIALLY NEGATIVE INFORMATION - PUBLIC RECORDS '' I discovered Equifax is showing a tax lien of {$2100.00} on my account since 2014. I wrote them XXXX indicating I have no liens on my home, and when I contacted the County they confirmed no liens. Further to that I have never paid a cent on any liens, and the house was sold XXXX this year with a title search. No other credit reporting agency has this info but Equifax. Please intervene and have them remove otherwise I will sue them, which I indicated to them earlier if they did n't fix it. 

Also under " POTENTIALLY NEGATIVE INFORMATION - NEGATIVE ACCOUNTS ''. They keep showing XXXX. I owe XXXX XXXX XXXX dollars as their account was paid in full. I paid XXXX dollars to XXXX to clear the account, and they themselves cleared the error. Of the XXXX reporting agencies -- - Equifax again shows this as negative on my report. They need to have it removed. 

I am very careful with my credit report, and understand how essential a role it plays in financial transactions. I take the time to pay my obligations on time. Equifax needs to take the time to ensure they investigate properly and not maintain error 's on individual reports, especially when asked repeatedly to remove. It appears the only way to send messages loud and clear is to use attorneys to sue so these " invincible '' monsters can be reduced back to credible institutions.
Consumer complaint received 2021-09-02
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: 1st Franklin Financial Corporation (GA)

Upon obtaining my XXXX  credit report, I noticed that there were unauthorized inquiries from 1st Franklin Financial. I have no banking relationship with this company and theyve pulled my credit on 2 separate occasions without my permission on the dates of XX/XX/XXXX and XX/XX/XXXX. To exude the frustration this company has caused me, Ive mailed in a certified letter on XX/XX/XXXX explaining ( in detail ) how they have violated my rights to privacy and more. All constituents of the data will be attached including : the letter, the drop off and delivery dates, and the credit report. I have yet to receive a response and I hope this will bring forth one.
Consumer complaint received 2017-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (WI)

I wish to report suspicious activity of a collector. On XX/XX/XXXX at XXXX AM, I was contacted by a " XXXX '' from phone number ( XXXX ) XXXX, claiming he represented Southwest Credit Systems. He was attempting to collect a debt owed to XXXX ( presumably XXXX ) in the amount of {$52.00} from XXXX. He confirmed the last four digits of my social security number. 

However, he then confirmed an address on XXXX in XXXX. I disputed that, as I have never lived at that address or even in XXXX. He said they have my driver 's license information. I asked what state issued the license. He confirmed the state of XXXX. I do not have an XXXX driver 's license. He then asked if I was [ First Name ] [ Wrong Middle Initial ] [ Last Name ] ''. I said I was not, and provided my name. 

At that point he gave me a fax number to send a letter to dispute the debt. I found a sample letter on the federal government 's website, and modified it to fit my situation. I am attaching a copy of what I sent. 

I am reporting this to you, as the situation is highly suspicious to me. I was worried I was the victim of identity theft, but my credit report not only has no fraudulent claims on it, but it also did not have this debt listed either. I am not sure how Southwest Credit Systems could have contacted me at my cell phone number without doing some form of credit report or credit check to get my information. Any review of the information on the credit report would have indicated to them I did not live at the address. The fact they have not put this debt on my credit report seems to indicate they are aware I am not responsible for the debt, but this is an attempt to collect the money from someone, anyone, any way they can. I believe their contacting me is an attempt to fraudulently collect money from me to resolve a debt they know I did n't owe.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-03
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: EQUIFAX, INC. (NC)

Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-02-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (IN)

I applied for a personal loan for home improvement on XXXX at Upstart. On XXXX I received communication from Upstart via email that additional verification of identity information was requested. I provided this document on the same date XXXX. 

On XXXX at approximately XXXX XXXX I received notification via email from Upstart that my loan application was denied due to recent credit inquiries. I immediately called Upstart to get more information on this denial reason. The representative that I spoke to explained that they wanted to know if the other recent credit inquiry they saw on my credit report from another company turned into me opening up an account. I explained that I did not open an account with that company. The representative told me to send in documentation to show that a new account was not opened by that company. I emailed the documentation over to Upstart. During the same phone conversation, the representative stayed on the line to ensure they received the documentation and forwarded the documentation over to a credit analyst. I was on the phone for a few minutes. The representative came back on the line and told me that my loan application had now been approved. The representative instructed me to sign back into my account to accept the terms of the loan which I did and signed all documentation required for the loan. 

At approximatXXXX XXXX XXXX  I received another email communication stating that the loan application was now denied. I was shocked because I had just signed the loan agreement document earlier that day. When I logged back into the website to see the denial notice this time it was for a different reason. I then called Upstart Support Department back immediately to get more information. The representative that I spoke with told me that there was a discrepancy in information on my loan application compared to what was on my credit report. I asked the representative to explain what exact information was coming back as a discrepancy but they said they were not allowed to disclose that information to me. They told me I should check with my credit reports to ensure all information that was reported was accurate. So I contacted all three credit reporting bureaus- XXXX, XXXX, and XXXX and the personal information listed on my profile was correct and matched up to what I listed on the loan application with Upstart.
Consumer complaint received 2022-02-03
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: EQUIFAX, INC. (PA)

Hey, I was taking advantage of, due to malpractice while several laws were being broken under the Fcra by company. This caused me financial injury, this is cause of defamation of character. I cant get a job, I cant get credit or pay daycare. This hurt my ability to obtain credit because of this issue. I want all negative items removed or deleted from my credit report because you are in direct violation of the FCRA or I demand these items be removed.
Consumer complaint received 2015-06-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

XXXX is trying to collect {$170.00} for a XXXX received that I purchased at XXXX XXXX. XXXX claims that I leased the receiver from them, however, XXXX and their agents have failed to substantiate their claim. They have ignored my written and verbal communication and continue to use harassment tactics to collect money on an unsubstantiated claim.
Consumer complaint received 2016-02-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NJ)

XXXX XXXX XXXX sold my mortgage to Seterus Inc effective XXXX/XXXX/2016. Seterus Inc sent me a welcome letter dated XXXX/XXXX/16. As this was a holiday weekend ( XXXX ) I did not receive the mail until XXXX/XXXX/2016. Nowhere in the letter did it indicate the total amount of mortgage Seterus Inc purchased nor, the monthly payment due. I sent my payment electronically to Seterus Inc for a payment ( {$1500.00} ) I would normally have paid to XXXX XXXX XXXX on XXXX/XXXX/2016 as I was unable to reach anyone at the XXXX number Seterus Inc has for customer service. On XXXX/XXXX/2016 Seterus Inc sent me an URGENT XXXX letter dated XXXX/XXXX/2016 which stated my mortgage loan may be in delinquency and I needed to send the paperwork in the XXXX package completed back to Seterus Inc as soon as possible.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

UNABLE TO CANCEL TRIAL MEMBERSHIP FOR CREDIT MONITORING AND FREE CREDIT REPORT : on XX/XX/2018 at approximately XXXX PDT, based on receiving 9 email alerts and one text from XXXX that a security and monitoring issue had occurred with my personal financial information. As such, I ordered a credit report through Experian online via a 7-day trial for {$1.00}. When I proceeded to cancel the membership, as directed on their website, I was instructed that had to be done by phone. When that call was placed, via their voice automated system at approximately XXXX XXXX, the system announced the wait would exceed OVER TWO HOURS! It has now been 55 minutes, and this is a completely unacceptable situation in an attempt to cancel further " membership '' charges. I have also put this cancellation request in writing which will be placed in the mail today.
Consumer complaint received 2015-08-10
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XXXX/XXXX/12, someone withdrew {$5000.00} from my mother 's account at Citizen 's Bank at XXXX XXXX XXXX in XXXX XXXX, CT. The savings withdrawal slip was made out in the name of XXXX XXXX. That is not my mother 's name. It is XXXX XXXX. Supposedly, the bank did an investigation of this matter and said that everything was in order, but no one supplied the results of this investigation to my mother. My higher is XXXX years old. She has XXXX checking accounts, and had no need to withdraw money from her savings account. She has been in ill health over the past several years and is rarely out if the house. She did NOT make this withdrawal. 
I have attached a letter by XXXX XXXX, a friend, who wrote a letter to the bank and discussed the issue with the bank manager.
Consumer complaint received 2015-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (AZ)

I had XXXX loans transferred to Loancare Servicing from XXXX Mortgage. During the transfer process, I setup automatic payment, as I have done with all of my mortgages. They took all my payment information and told me things were set. A month later, I get a call regarding the mortgage payment. I informed the representative that this is the XXXX time now, that I am giving payment information. As the person is inputting my information, they see that the info is already in the system. They say this was odd, but tells me I 'm all set and there should be no more issues. I have this exact situation happen XXXX more times, I then requested to speak with a manager. The manager gets to the root of the problem. Apparently, there was a fee of some sort that needed to be cleared before payment could process. This was not mentioned to me prior and neither of the XXXX representatives I dealt with on the matter, knew about. The manager apologizes and processes that fee. I proceeded to ask why this was not mentioned prior and would their mistake affect my credit. The manager stated it was either new processors or a new process and my credit would not be affected. My entire mortgage history has been and was clean prior to their errors. Now my credit shows XXXX XXXX day lates that was their error, not mine. I have disputed this several times through XXXX XXXX and they keep sending it back as accurate.