davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
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. (AZ)

-- Applied via XXXX for an auto loan refinance on XX/XX/2022. Application ID XXXX. 

-- On XX/XX/2022 I received two hard inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX without my authorization. These two companies are network lenders with XXXX XXXX 

-- Per XXXX website & FAQ section, they will NOT allow lenders within their network to check your credit via hard inquiry. They will provide their network lenders with the information obtained via XXXX XXXX hard inquiry. Network lenders will NOT pull hard inquires. 

-- XX/XX/2022 I received a piece of mail from XXXX XXXX stating my application was denied and clearly lists XXXX XXXX as the dealer. 

-- Only XXXX XXXX was authorized to do a hard pull on my credit. One company. These other two inquiries are unathorized and are a violation of my rights under FCRA 604 and violation of my rights to privacy. I now have 3 hard inquiries on my credit. 

-- Monday XX/XX/2022 I reached out to XXXX and requested copy of any documents authorizing a credit inquiry from myself specifically to *XXXX XXXX XXXX XXXX* and *XXXX XXXX* signed on my behalf so I may verify its validity and XXXX XXXX will not provide any supporting documentation. 

-- XX/XX/2022 I mailed letters out to TransUnion as well for XXXX XXXX XXXX XXXX and XXXX XXXX in attempt to remove these unlawful and unathorized inquiries.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I recently reviewed my consumer report and noticed bankruptcies listed that I believe are inaccurate. After researching consumer protection laws, I have reason to suspect this may violate the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c ( a ) ( 4 ) regarding reporting of bankruptcies. 

I am concerned that my personal information may have been disclosed without proper authorization. As I believe I may be a victim of identity theft, I request that you thoroughly investigate these entries and remove any inaccurate or fraudulent information immediately.
Consumer complaint received 2024-10-16
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Dear XXXX, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity. These items are not transactions conducted by me as a consumer XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Employment Information : XXXX XXXX, XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 


Thank you XXXX XXXX
Consumer complaint received 2020-08-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (WI)

We have our current home V.A .mortgage through Sun West Mortgage Company . Back on XX/XX/2020 we requested a cash out refinance with SWMC. Our loan officer assured us this process would be seamless as we are existing customers. No credit check for existing customers ( wrong ) minimal cost ( wrong ) Quick process ( wrong ). After dozens of phone calls, emails, document chasing and 5 + months they ( SWMC ) tell us of a problem with a credit repair program we are using. Back in XXXX my wife was temporarily laid off ( due to covid ) so we called this company and asked to defer XXXX 's payment. They understood the circumstance and the payment for XXXX was not made. SWMC claims that the underwriters do not accept the missed payment and on XX/XX/2020 declined the loan. Now I understand the V.A. may have some ridiculous policy that requires no missed payments but we really believe SWMC should have brought this to light back in XXXX. Nothing at all was discussed regarding the missed payment until XX/XX/XXXX. On at least 3 occasions the loan officer told us that we would be closing before the next month, even to the point of signing a final agreement. My wife and I constantly called and emailed the loan officer and usually calls took weeks to return. We feel that we were treaty poorly and unprofessionally though out this entire process. If there was truly a problem with one missed payment they should have told us months ago. We've had to cancel home improvement plans as well as plans to sell our home when the market was in our favor. We could have been spending the last 4 months with another lender if we knew the outcome of this agreement. We most certainly were misled and feel this behavior is unacceptable by any lender. 5 months for a refusal is ridiculous. Thank you for your time on this matter. P.S. The photo attached is a time line with the exception of the termination date of XX/XX/2020.
Consumer complaint received 2024-10-16
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. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX  XX/XX/XXXX experian XXXX XX/XX/XXXX experian XXXX XX/XX/XXXX experian XXXX XXXX XX/XX/XXXX experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX experian XXXX XX/XX/XXXX experian XXXX XXXX XX/XX/XXXX experian Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

I request an immediate investigation of the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I request that they be removed from my credit report. I also request that I be provided with an updated copy of my credit report once any necessary corrections have been made. A copy of my identification is attached to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2024-10-16
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: Experian Information Solutions Inc. (NJ)

Hi, I've had a credit score since XXXX, ever since I opened a credit card with XXXXXXXX XXXX. However, I am unable to view my credit score or report on experian or XXXX. I can collect the information from XXXX, so I know I have a credit score and history. I have been on the call with XXXX and Experian for hours and they have not given me a solution. I am not sure how to proceed.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom it may concern : On XX/XX/2020, I completely paid off XXXX   XXXX XXXX credit card account through an online payment, called in confirmed with agent of XXXX XXXX XXXX that entire balance was paid off. XXXX  XXXX XXXX then cut my credit line after paying off entire amount, and did not sight any reasons. All payment histories were on time prior to pay off. In addition, after paying off the entire balance, and closing my account they have now billed me for interest and sent me to collections which appears on my credit report. This is pure negligence and improper by XXXX  XXXX XXXX, I called and verified online that the entire bill was paid, XXXX  XXXX XXXX closed my account, and now has sent me to collections which appears on my credit report, there was no reasonable way of knowing of this interest as XXXX XXXX XXXX confirmed account was paid. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

This account is showing charge off. I havent been billed since XX/XX/XXXX, but its still reporting missed payments every month. Also, I have not received notice of collections or a new lender that bought the devious debt. I went overseas in XXXX and called the Lender to express that I was deploying in the armed forces and they told me that I would not have to make a payment until I came home. Call was recorded and monitored, but now theyre saying they dont allow such a thing.
Consumer complaint received 2022-07-22
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CT)

Equifax is denying my ability to receive my free annual credit report online. Both of the other services ( XXXX  and XXXX  ) had no issue verifying my identity and providing me with my credit report. The XXXX website lists three steps required to view your credit report online : 1. Fill out one form to request one, two, or three credit reports 2. Pick the reports you want ( Equifax, XXXX   or XXXX ) 3. Request and Review your reports ONLINE. 

Equifax refuses to furnish my credit report online as they are required to do. Instead, they are requiring me to pay for postage and mail them a form with sensitive personal identifying information. Equifax has demonstrated extreme negligence in safeguarding millions of Americans ' personal info, exponentially increasing the risk of identity theft. I do not trust them to keep my information safe once they physically receive copies in the mail. Equifax must be held to the same standard as the two other credit reporting agencies.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2020-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

My credit report on XXXX  shows I have a collection accocunt with {$47.00} and I have totally no idea why this record is showing on my credit report. The only reason SOUTHWEST CREDIT SYSTEMS connect me to this case is because my name, XXXX XXXX, is exactly the same with the true debitor. SOUTHWEST CREDIT SYSTEMS did NOT verify additonal information before report this collection to my credit report and hurt my credit score. I never live in the address linked to this bill statement. It is very un-resposibile to report this collection under my name.
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One charging 23 % interest on {$12000.00} balance. My other cards are at 16.99 %. 
Have asked 3 times now for a better interest rate since i have never missed a payment ever or have been late. Their reply is " we have no programs for you ''. 23 % interest is close to default rate and feel like they are ripping me off when interest from the fed window is at 0 %. 
At this point the monthly payment is stressing my cash flow with my income down 30-40 % as a result of Covid Virus. In addition it makes near impossible to get balance down.
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (KS)

Netspend Debit card masquerading as a Bank. 

As of today XX/XX/2020 as I'm writing ( XXXX. CDT ) I attempted to login to my online account. I have found that it is Locked and can not access my debit card information. I previously attempted to call them today only to be put on hold for 30 minutes before hanging up. These folks nickel and dime people to death, especially SSA Recipients who have direct deposit payments. My account was locked because of the numerous complaints I have had with their services, charging overdraft fees, disputing automatic billing of auto renewal payments for services I have been ripped off from. The messages/complaints I send are to a secure email account inside their ( netspend ) website that is also not accessible to learn the status of my account. I want immediate access to online services that I am not receiving as retaliation for sending and questioning NETSPEND about their practices, Disputing payments for services not received online. They have also increased the fees for overdraft patients from {$15.00} to {$20.00} in the past two months. They also " sit '' on direct deposits from SSA and allow only {$300.00} daily limit to access my own monies, resulting in more fees from the ATM/Bank. They are controlling not just my, but all SSA recipients monies held by them which I know brings them a large chunk of interest payments at Banks where the these deposits end up, using the US Government monies paid to NETSPEND CONSUMERS to collect interest on our direct deposited social security monthly payments. To put it simply, they are fleecing me and the people who use their services, and are committing some kind of fraud against NETSPEND CONSUMERS and that US GOVERNMENT. I WILL BE FORWARDING A CC OF THIS COMPLAINT TO THE IRS. Thank you. A NETSPEND account holder whose account is labeled as closed or locked, a Lost debit card, which it is not the case. This is what I get for disputing payments, retaliatory actions by NETSPEND, because the can.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On Saturday, XX/XX/XXXX, XXXX XXXX XXXX XXXX, my in-law, attempted to deposit three ( 3 ) paycheck stubs to a Citizens Bank ATM XXXX The ATM accepted two ( 2 ) of the three ( 3 ) checks. Subsequently, XXXX XXXX XXXX XXXX, his son, XXXX XXXX XXXX, and I telephoned the Citizens Bank phone number on the back of his checking accounts debit card. The polite and courteous staff advised us that : we would need to wait three ( 3 ) business days to witness the posting of the transactions as the deposited checks were in pending mode. 
At that time report the matter again. 
no supervisors were available to override the Citizens Banks databases unduly restrictive policy of waiting for transactions to post before taking action. 

I corresponded via email to the Citizens Banks CEO and Board Chair, XXXX XXXX XXXX to alert him to the inconvenience. I requested an immediate response for Monday, XX/XX/XXXX, the first workday since the ATM transaction failure. My electronic letter was to avoid our considerable inconvenience to : wait for Wednesday XX/XX/XXXX at an hour available to reassemble XXXX XXXX XXXX XXXX, his son and myself dial and protract time for a telephone agent to present themselves on the line request a translator for XXXX XXXX XXXX XXXX authenticate the account with XXXX XXXX XXXX XXXX proceed with the complaint to : request adjustment to the third ( 3rd ) check fee to deposit as over XXXX dollars not three ( 3 ) cents as the receipt shows. 
Ensure that Citizens Bank fixed the local ATM
Consumer complaint received 2022-09-20
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: Convergent Resources, Inc. (LA)

In accordance with the fair credit reporting act Convergent Account # XXXX, has vbiolated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-07-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Unemployment said they were back dating my claim to XX/XX/2020 They have not done so. 
They said Bank of America ed was gunna deposit XXXX into my account both times everi emptied my account They have yet to fix the situation and have to keep sending me new cards making me behind on bills. 
Unemployment also said I was getting XXXX a week but now its XXXX. No notice nothing cant get ahold of anyone its just rough already. I need help
Consumer complaint received 2020-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute was sent on XX/XX/2020 and 30 Day demand to comply sent on XX/XX/2020.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

On XX/XX/2022, two charges were made to my account that were unauthorized ; one in the amount of XXXX and the other XXXX. These were charged by XXXX XXXX. I contacted XXXX on that date to find out what was going on ; they told me no charges were made to my account. I contacted Schools First to file a claim ; I was given a provisional credit while they investigated. I gave them everything I had regarding the transactions. On XXXX these fees were reversed. I was asked to provide additional information from XXXX XXXX which states I did not charge this to my account. I do not have confirmation because I did not make the transaction ; it was fraud! XXXX states they did not charge my account. On XX/XX/XXXX I contacted XXXX again and was told I had to file a complaint online but it could take 30 days. The confirmation/ case # is XXXX. I am filing this complaint because it is close to the 60 day mark in which the transaction was made. I just want this problem resolved and my money back.
Consumer complaint received 2021-12-27
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: CITIBANK, N.A. (NY)

XXXX gave me a date of XX/XX/XXXX or XXXX of 2020 I believe. I was not aware of a credit card application that I didnt approve through XXXX affiliation with CitiBank that opened up on my credit report on XXXX XXXX Im reporting a fraudulent issue, complaint, and would like it removed. I contacted XXXX, Citibank and was told of no report through my full name & social that they did not see nor have one on file.