davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I have an initial fraud alert on my Experian credit report. I have been trying to have it removed from my credit file for almost 100 days. I initially contacted Experian by phone, and their automated system advised me to end a letter. I did so on XX/XX/XXXX. After two weeks, I again checked my credit report to find that it was not removed. I sent a follow-up letter as instructed by Experian on XX/XX/XXXX.

Since then, I have tried to call Experian, but their phone system makes it literally impossible for me to speak to a human. The one time I got put in a phone queue to talk to a human the wait time quoted was " over 2 hours ''. Just today, on XX/XX/XXXX I was on hold from XXXX EST till now, XXXX EST waiting, all the time getting an endless loop of onhold phone music and company propaganda.
Consumer complaint received 2019-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Those dates are : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX
Consumer complaint received 2019-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NV)

DCI ( Diversified Consultants Inc. ) have been given repeated opportunities to provide me with any and all documentation that the FCRA enables me to request. FCRA 609 states that I am entitled to see the physical copy of the original consumer signed contract bearing my signature. This documentation or contract that FCRA 609 is referring to is documentation that the credit bureau 's must be shown for any disputed account to be legitimized as 'verified '. DCI refuses to give me a contract yet continues to report onto my credit. I am asking to see all documentation that they have with my social security number, signature, and I.D . 
This company is in full violation of the FCRA by revealing that they only have an itemized bill and absolutely no documentation proving that the account belongs to me, however, they've refused to cease all collection attempts and to delete the account. 
Then, the company informed me that they'd send a fraud affadavit to me. I will and can take ALL legal actions myself, I don't need their help. All I need, is to see this contract prior to me moving forward with local law enforcement. Upon this company providing me with the contract, I will take the documentation to my attorney and local police department as proof that fraudulent activites have taken place. Until then, I need to see this contract ( the only legal binding document that can make me liable for the account ) that was signed in my name.
Consumer complaint received 2015-11-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (FL)

Seterus told me if I paid an amount by a due date then my house would be out of foreclosure. I did & they kept invoicing me for " more $ ''. On three occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) their customer service employees told me to disregard the amount on the invoice as it takes their legal team several months to balance out. They confirmed that the money was n't owed. Today I learned that they filed foreclosure on me AGAIN for those legal fees from the XXXX foreclosure. WARNING!!!!! Seterus Customer Service Team is stearing you into foreclosure with their statements.
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. States a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have sent transunion proof of my name change and they have not changed it in their records. My name is XXXX XXXX XXXX and they still have me as XXXX XXXX. The XXXX purchased what I thought was supposed to be a membership for {$21.00} and instead they claim I only purchased a 1 time credit report and score when the membership is only XXXX per month. So after buying this one time credit report and score and seeing my name is not correct, I called them and told them my name was different as I have several times before. The representative did not help me with changing my name so I asked him why my credit score changed and he gave me several invalid reasons that did not pertain to anything on my credit history or with my credit situation. My credit score went from a XXXX last month to a XXXX this month with changes to my report or loan payments and no explanation. Transunion representative behave as though they do not care about the consumer and make decisions towards consumers without reason and it affects them negatively. I 'm not understanding how a company that consist of what seems like all foreign people are allowed to make decisions about consumers in a different country.
Consumer complaint received 2015-07-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

I purchased a new Cadillac Escalade in XXXX of 2006 and took out a loan through GMAC. The loan was paid in full, see attached title and pink slip but Ally Financial,. who bought GMAC, is showing on my credit report an outstanding balance of {$4200.00}
Consumer complaint received 2023-04-05
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, Dept of Ed/XXXX  Account XXXX XXXX XXXX Dept of EdXXXX Account # XXXX XXXX Dept of EdXXXX Account XXXX XXXX, Dept of EdXXXX Account XXXX XXXX XXXX Dept of Ed/XXXX  Account XXXX XXXX XXXX Dept of Ed/XXXX  Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX, XXXX 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 2021-12-28
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2016-02-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion reported false information resulting in my being denied a loan. I contacted TransUnion and received their investigation results with the fraudulent account still on my Report and in Collection. 
Also, I do not appreciate that I have to register online my personal information to retrieve their reporting on me as my identity was stolen and reported by them to begin with.
Consumer complaint received 2016-04-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Advanced Collection Bureau, Inc. (FL)

I pulled my credit report on XXXX/XXXX/XXXX and noticed some collection accounts that I have never heard of before. The collection company in question Advanced Collection Bureau , Inc. claims that I owe money to them for a bill that I have had in the past. I demanded that they validate the debt under the FDCPA on XXXX/XXXX/XXXX via a letter sent regular mail, they never replied. They continue to keep this account on my credit report to this day after several rounds of letters to them demanding that they validate this debt. Now that this has gone on this long I am filing a complaint to have this debt removed from my credit report.
Consumer complaint received 2024-03-01
Product: Credit reporting 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: EQUIFAX, INC. (CO)

I only recently learned of a negative item on my credit report due to XXXX XXXX  XXXX XXXX XXXX XXXX. Only one agency has notified me in compliance with the law and that is XXXX. I have heard nothing from Equifax nor XXXX.
Consumer complaint received 2016-08-15
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (VA)

I have several student loans through Sallie Mae called the " smart option '' student loan. We have tried multiple times to consolidate these loans or get the payments lowered. As of right now they want us to pay almost {$600.00} per month which is not even feasible at the moment. We were at one point put into a program which lowered the interest rates from almost 11 % down to 4 % for 1 year and then down to 2 % for 1 year but we were only allowed into that program because the loan had defaulted. The loans have been paid for 3-4 years without missing a payment and they wo n't let us consolidate or lower the interest payment. The last person I spoke to told me that the only way they could help us with anything would be to let the loan go to collections/default. Of course then it would hit our credit and hurt other things leaving only one choice, to pay. For student loans only totaling {$36000.00} a {$700.00} a month payment is just a bit much. All we want is a fair rate and a fair monthly payment. Do n't get any student loan through Sallie Mae unless it is a government subsidized or unsubsidized student loan.
Consumer complaint received 2016-10-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries will be removed.
Consumer complaint received 2016-06-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (TX)

American Express cancelled XXXX credit cards. They supposedly cancelled each card due to a charge going to XXXX. They said " using an AMEX card for cash is against policy ''. That charge was not going to or for cash. It was going to my companies XXXX to pay for services for my company. Not everyone accepts American Express. If THAT action is against terms, they could have temporarily suspended or just slapped my wrist and told me, not to do that. They do not think about how this could implicate my business and personal.
Consumer complaint received 2015-08-12
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: DISCOVER BANK (NJ)

For almost 10 years now I have been contacting and fighting with the credit bureaus as well as Discover Financial over an erroneous entry on my credit report. It is STILL listed on my account and never should have been in the first place. 
XXXX XXXX XXXX opened up an account with Discover Financial and without my knowledge or consent listed me as an authorized user on her account. I found this out several years ago and not only did I contact Discover, she did as well and I also submitted complaints to the XXXX credit bureaus. I again did this in 2011 when I discovered it on my credit history and to this day it has not been removed. 
To my knowledge it was never late, but it is an account affecting my credit and not one of these agencies has done anything to correct the error to this day.
Consumer complaint received 2016-01-12
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (CO)

I am late on a credit card bill from Discover. It is the first time I have ever been late. They have been calling my cell phone 5-10 times a day and my work phone at least 4 times a day. It is a different person every time they call. 

I do not have my cell phone on me all the time and my work phone is busy with work or I am out of the office. So far I have not been able to answer any of them but when I get back to my phones and see XXXX missed calls from them in a span of XXXX minutes, it 's a little over kill if you ask me.
Consumer complaint received 2024-02-20
Product: Credit reporting 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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 information is inaccurate.
Consumer complaint received 2016-06-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

XXXX is reporting that I have an outstanding balance owed to HSBC Lending for {$11000.00}. I have contacted XXXX to contest the debt ; requesting a copy of the original finance contract ( displaying my signature ), a detailed explanation of charges that constitute the {$11000.00} debt they say I owe, and the account history of this account showing any records of payments that HSBC received. So far, XXXX has not supplied me with any of the requested documentation. It is my right under the Fair Debt Collection Practices Act to request this information, and unlawful for XXXX not to supply it, upon request.
Consumer complaint received 2020-10-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC (UT)

I went to check my balance today and the history and it turns out all the payments have gone to interest, nothing is being applied to principle, when I asked XXXX if they could at least change the pay dates since i'm negative every time they run the payment he said no, i was told i could adjust it prior if it was to the point where it was hurting me financially and it has been, with everything going on with covid my checks are a lot less and I have asked for help prior and was told they still could not do anything. I asked if we could lower the payment because they offered that prior and now I am told that they will not. The loan was for XXXX i've paid over {$4500.00} i was told i have another year from today to finish paying off the loan leaving it at almost XXXX in total. {$10000.00} in interest is a lot and for the company to not work with you when you have been making payments.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

There is a released State Tax Lien reporting on my report in the amount of {$3700.00}, which I was never made aware a lien, issued an IRS Form XXXX ( XXXX ) to tell me I had a lien nor a XXXX ( XXXX ) Release of Federal Tax Lien. This was reported in XX/XX/2016 and when I disputed the validity, it was marked released two months later -however it was not removed. 

Experian and XXXX are illegally reporting this State Tax Lien, after 3 dispute attempts.
Consumer complaint received 2016-11-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (FL)

American Express has reported to credit reporting agencies ( including XXXX XXXX XXXX ) that the XXXX business credit accounts with them were " charged off '' while XXXX cards were paid as agreed and American Express refuses to recognize that they were not able to accept payments remitted because it was illegal to so do after the credit bureaus INCORRECTLY reported a bankruptcy filing.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Consumer Adjustment Corp USA (TX)

Reporting inaccurate and unverified information on my consumer report which is hindering my ability to conduct necessary banking transactions and is causing harm to my reputation as a consumer. Reporting alleged debt of {$100.00} allegedly owed to XXXXXXXX XXXX XXXX who I have no written contract with. Reporting alleged debt of {$3000.00} allegedly owed to CONSUMER ADJUSTMENT CORP who I have no written contract with. Reporting alleged debt of {$1100.00} allegedly owed to XXXX XXXX who I have no written contract with. Reporting alleged debt of {$2800.00} and {$1100.00} allegedly owed to XXXX XXXX XXXX XXXX. Reporting alleged debt of {$420.00} allegedly owed to XXXX XXXX XXXX who I have no written contract with. Reporting alleged debt of {$22000.00} and alleged past due amount of {$1100.00} allegedly owed to XXXX XXXX XXXX. Violations of 15 USC 1692b ( 2 ) -stating that I owe debt. Violations of 15 USC 1692d ( 1 ) -harming me the physical consumer and my consumer reputation.
Consumer complaint received 2016-02-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: DISCOVER BANK (OH)

Discover Student Loan # XXXX. I 've been trying to refinance my student loan ( at 9.375 % to a lower rate with another lender ) but I 've been getting stonewalled by Discover. I spoke with multiple representatives at Discover requesting " Lenders ' 45-day Payoff statement '' mailed or emailed to me and each time I 'm being told that my request will be emailed up the chain-of-command. After 1-month of multiple requests I called yet again today only to get the same response. Without the statement from Discover my new lender would not process the loan and i have a limited window of opportunity to complete my paperwork. Please help!
Consumer complaint received 2015-03-31
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC. (GA)

I filed a fraud complaint after discovering that my daughter had been skimming money out of my bank accounts,XXXX. The bank, Suntrust, after issuing new debit cards, said I was good to go. They had also promissed to return any fees incured. After returning 72 $ of XXXX {$.00} They closed my accounts, without informing me. I am a XXXX veteran living on social security. XXXX is delivered on the XXXX of each monty.The provisional credits were finalizes. It will take me a month to get it back. They are denying me the money that is left in my accountssaying I have to wait 14 business days to get it back. I have no food. My daughter and grandaughter are dependant on me and I dont have enough for her diapers. They also are not returning the other 72 $ of fees XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Ga XXXX. Suntrust account # XXXX will be needing food bank help by the weekend.
Consumer complaint received 2016-07-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (GA)

I have XXXX Sams Club credit card. I had checked my credit and found that they had added another account. I was told that they opened a new account number and was going to delete the old account. I called twice and was told they would have it deleted from my credit reports. I disputed this duplicate twice with the credit boards and it still remains verified. For instance on XXXX, I have XXXX and XXXX with the same balance and credit line. They are updating these accounts to my credit report but will not delete the duplicate account.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

I purchased a car from XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX on XXXX XXXX. XXXX XXXX was my sales person for the day. The car was XXXX I agreed to put XXXX down make XXXX payments then pay the rest off once the tags come into the dealership. I never received my tags after multiple attempts regarding the car and the money I was paying I still hadn't receive a call back or email. I decided XXXXo drive to the location and there was a empty lot. No cars no sign of cars or a dealership ever at the location. A police seen me looking around and stopped and informed me the dealership was in some type of legal activities and they vanished. I was giving information to take to Texas XXXX and the police filed a report with me. We later found out the car was never registered with the state or was there any proof I purchased the vehicle .Due to me having the proof on my end from the day of the sale we was able to find out the car was on the pro selector list and I was able to soon get my title after a 2 years of fighting with multiple people.
Consumer complaint received 2022-07-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.