davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Innaccurate items are being reported on my credit report. It was brought to my attention and I took action over 90 days ago and there still is nothing resolved!!
Consumer complaint received 2017-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I applied for a personal line of credit through  XXXX   XXXX   XXXX   XXXX  last week. Although I have had  XXXX  loans with  XXXX   XXXX  and only ha d 1 lat e payment, I was turn down for the loan.  XXXX , the loan officer, at the  XXXX  location explained that I had a " really low credit score ''. She also explained that they pulled reports from  XXXX  and Equifax. When I asked her what my score was, she said my Equifax score was a  XXXX . She said they relied more on Equifax because it was the most reliable. I was surprised as I had just pulled my credit reports the day before and my Equifax score was a  XXXX .   Today, I received a letter from  XXXX   XXXX  explaining why my loan application was turned down. It states that the decision was based on my credit scores from Equifax and  XXXX . It also states that my Equifax credit score is a  XXXX  ( please see attached ).   I called  XXXX   XXXX   XXXX  # to ask the loan dept. why was I told my Equifax credit score was a  XXXX  when their loan dept. letter to me states I have a  XXXX . When I spoke with the loan officer on the  XXXX  # she verified that it was my Equifax score and NOT my  XXXX  score that was showing a  XXXX .   I am very bothered and suspicious that I was turn down for a loan based on erroneous information. I want to know where  XXXX   XXXX  received the information that my score for Equifax is a  XXXX ? I want to know how many scores do I have with Equifax that i am getting different scores. We are talking about a  XXXX  point difference.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Hard inquires on my credit report that were not approved by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Onity Group Inc. (FL)

I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, 30 days late payment on the dates XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-01-14
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. (FL)

I was looking at my report and notice there were some things that was not correct. I sent a letter to XXXX  XX/XX/ .But it has been more than XXXX  days since the credit bureaus haven't responded. That a violation of 15 USC 1681 ( a ) ( 1 ) ( A ) Under 15 USC 16811 ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
XXXX XXXX XXXX XXXX Account Number : XXXX  Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX  Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
XXXX XXXX XXXX XXXX Account number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AmeriHome Mortgage Company, LLC (AZ)

This mortgage company just launch a brand new website. I was able to log in fine, until today. I have paperless bills, so i do n't have anything where I can see my account. I am trying to look at my account online and when I tried to log in, it would not let me. I reached out to the representatives and they treat me like I am a XXXX. I tried to log in on XXXX different computers, including my phone. I even put the incorrect password to make sure the password was not the issue, and immediately told me it was the wrong password. But when i put my info correctly, it takes me back to log in. I already re-register from the new launch. I tried to reach out to escalate the issue and allow me to log in, but the rep told me there is nothing they could do because basically their website was perfect. This is a new launch!!! Things are NOT perfect! It seems they are not escalating website issues to not allow customers see their accounts.
Consumer complaint received 2015-12-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Green Square Company LLC. (MI)

I have received numerous phone calls for a fraudulent payday loan and have called my employer, my home and in laws. I have told the company this is in error and they have threatened to take me to court etc. please address this situation. The phone number they call from is XXXX and they said they are from the XXXX
Consumer complaint received 2020-11-13
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: Experian Information Solutions Inc. (NY)

Innaccurate items are being reported on my credit report. It was brought to my attention and I took action over 90 days ago and there still is nothing resolved!!
Consumer complaint received 2017-10-06
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. (CA)

1. Everything I apply for personal loans and credit cards TransUnion is saying my credit score is XXXX when it is a XXXX and Im being denied credit for that reason is there anyway that can be fixed other credit report consumer are saying different. 
2. I never leaved at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

3. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX XXXX
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

Dear Experian : Im responding to the verified no-change letter you sent me for collection account. 
1. 15 U.S. Code 1650 Preveninting unfair and deceptive private educational lending practices elimination conflicts of interest XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. You are in violation of 15 U.S Code 1692j. Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. 
XXXX XXXX XXXX XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
4. This account was PAID and CLOSED. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Based on your recommendation, I sent a letter to the collector asking for the proof of the debt but they never responded Its clear that the account is inaccurate because the collector did not send any valid proof. If they cant prove that the account is accurate, they can not report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 
Thank you Sincerely, XXXX XXXX
Consumer complaint received 2024-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (VA)

I used ComenityXXXX XXXX XXXX to pay for {$1200.00} of dental work. I made regular monthly payments including paying late fees at times that I didn't believe I owed. The reason I didn't agree with the late fees is because I would call in to make my payment before the due date and the auto payment system wouldn't be working. I would get a rep on the phone who would ask me for my Comenity credit card number. I would try to explain that I didn't have a Comenity credit card. The reps seemed unable to understand that. We would go round and round and I would hang up and mail my payment in. In XX/XX/XXXX I made what I believed was my final payment of {$400.00}. I wrote PAID IN FULL on my check. In XXXX I received a bill from Comenity XXXX XXXX for {$180.00}. I also discovered that they are reporting me as past due to the credit bureaus. I filed disputes with the credit bureaus and received a letter for Comenity Capital Bank in XX/XX/XXXX stating that they had investigated my dispute and show that I have a balance due of {$220.00}. The XXXX bill I received shows a balance {$310.00} They are increasing the amount I owe monthly and reporting this to the credit bureaus when I don't pay. I wrote PAID IN FULL on my final check to avoid these types antics
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

I still see that my information is being mishandled and inaccurately reported, prompting me to refile this complaint with CITICARDS CBNA. Upon reviewing my credit report dated XX/XX/year>, I discovered a derogatory entries that I were previously unaware of, containing inaccurate details such as payment history, status, opened date, and date of last activity. In accordance with 15 U.S.C. Section 602 and 15 U.S.C. 
Section 604 A Section 2, I wish to assert my right to privacy. It is emphasized that a consumer reporting agency is not permitted to disclose an account without my explicit written instructions. I have attached the FTC report with report number XXXX to support this complaint.
Consumer complaint received 2016-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

I ca n't remember when I even took a XXXX XXXX loan ( before XXXX ) but I had n't gotten any request for payment for years and in XXXX I filed a chapter XXXX and a XXXX XXXX amount of about $ XXXX was included. In XXXX I was diagnosed with XXXX and went through XXXX and 6 months of XXXX. I successfully completed my 5 years of chapter XXXX payments in XXXX of XXXX and all of a sudden today I received 6 emails from a company called Navient saying I owe $ XXXX to someone. I will not pay this ... .I did n't owe it to begin with and I completed XXXX and chapter XXXX. Please STOP these people ... .they are evil.
Consumer complaint received 2017-01-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (AL)

I have spoken with the credit report agency directly and the person I spoke with gave conflicting information. Currently, I have opened disputed with XXXX XXXX XXXX as well as Equifax because they are certain that the account is mine but when I speak to them about the inconsistencies in the data that was provided. Both Equifax and XXXX XXXX XXXX state that they are sure the account is mine and leave it at that. 

I understand that XXXX XXXX XXXX is a business and need to recoup funds and Equifax is a credit reporting company but this is my life on the line and I will escalate it as far as I need to go in order to get this corrected. 

Case number : XXXX is the one that is opened for XXXX XXXX XXXX
Consumer complaint received 2024-03-30
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. (CA)

The reporting of transaction history between myself and XXXX XXXXXXXX XXXX is a direct violation of 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ). I was not provided a chance to opt out of having my information reported, a right protected by the Gramm-Leach-Bliley Act. I must maintain accuracy in my consumer report. This transaction triggers a taxable event which is treated as gross income. It's important to note that income is not reported on the consumer report XXXX XXXX XXXX account # XXXX opened on XX/XX/2020 XXXX XXXX XXXX account # XXXX opened on XX/XX/2020
Consumer complaint received 2024-04-08
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: EQUIFAX, INC. (WA)

I have tried to get Equifax, XXXX and XXXX to get this corrected and they say its right and company responds as correct, and I provide letter from XXXX XXXX XXXX  on what they agreed on and its being paid as agreed upon and they Company still refuse to correct. XXXX, XXXX XXXX and XXXX XXXX. After so many attempts and sending my letters they refuse to correct. I want them deleted now and report corrected as to.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX Account Number XXXX After contacting Transunion and XXXX, the response I received from Transunion dated XX/XX/XXXX is reporting this account as a charge off as far back as XX/XX/XXXX then in XXXX reports as 30 days late 3 times, then reports as paid on time 3 times, then in XXXX 60 days late 6 times then 30 days late 4 times, and paid on time 2 times in XXXX. How can this be accurate if this account is reporting as a charge off as far back as XXXX? I have tried to resolve this issue and no success.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Experian Delete my opensky credit card account from my credit profile and said that it was fraud and referred to XXXX and XXXX that it was fraud. Also they blocked and deleted my free membership. I can not see my profile and have no idea of whats going on with my account which I believe is against FCRA " The FCRA gives consumers certain rights with which you must comply '' I don't have access to my credit. Last I check there were several auto loans on my credit that Experian has refused to delete. I need all these deleted. Because they are fraud I didn't apply for these. 

Just like this chase card is not mine. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX is not mine All XXXX XXXX XXXX accounts are not mine XXXX XXXX XXXXXXXX XXXX is not mine none of these are not mine.
Consumer complaint received 2020-05-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (VA)

I bought a house last XXXX and was told by my loan officer to pay a down payment of 19.9 percent to get a lower interest rate. He said that I would only pay PMI for a couple of months and the PMI payments would drop. 10 months later, I am still paying PMI and now my loan officer is saying that I signed an agreement to pay this for another year. He said that I was supposed to call one month after my first payment to take out the PMI payments. I have his emails stating that the PMI will come off and that I just need to wait a little more. I have paid over 600 dollars in PMI payments.
Consumer complaint received 2015-09-02
Product: Credit card — 
Issue: Bankruptcy — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Dear Sir/Madam, We are XXXX XXXX and XXXX XXXX XXXX. 
XXXX XXXX charged our XXXX XXXX credit card XXXX amounts of {$1400.00}, altogether was {$2800.00} without our consent. The story was : On XXXX XXXX, 2015, We used our XXXX XXXX credit card booked and paid for XXXX round trip tickets from XXXX to XXXX for {$1000.00} each through XXXX. 
The round trip ticket shows, we fly with XXXX from XXXX to XXXX and fly back by XXXX XXXX. 
On XXXX/XXXX/2015, We boarded and flied with XXXX was fine. The return trip on XXXX/XXXX/2015 with XXXX XXXX which check-in and boarding was smoothly, they DID NOT said any thing wrong with our tickets. until we checked our XXXX credit card statement. We found out XXXX UNAUTHORIZED charges of of {$1400.00} each, altogether is {$2800.00} by XXXX on the date we flew back from XXXX to XXXX on XXXX/XXXX/2015. These return trips were included in our PAID round-trip tickets. Why they charged us again for the trip we already paid for. 
First We called XXXX XXXX to complain about XXXX unauthorized charges, they said we need to contact XXXX XXXX to solve these problems, which We did. 
After weeks of complain with XXXX XXXX, on XXXX XXXX, 2015, they only credited us XXXX of {$530.00} XXXX Refunded XXXX money of round trip ticket? XXXX. We think the XXXX credits of {$530.00} were NOT the right amounts which XXXX unauthorized XXXX charge of {$1400.00} each, still {$1800.00} short. 
On XXXX XXXX, 2015, We sent registered mail to XXXX XXXX to complaint about their credits to us were NOT right amounts, but they replied " Was unable to obtain credit to our account ''. These were really unfair practice of Bank of America to their customers. PLEASE help us to get back our hard working and saving money back. 
Thanks for your reading time and helps. 

Sincerely. 

XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2021-11-27
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: NAVY FEDERAL CREDIT UNION (VA)

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within XXXX days upon receipt of this correspondence. 



I have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. This is not a regular dispute I have filed a complaint with the XXXX XXXX XXXX to document being a victim of identity theft.