davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-24
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: EQUIFAX, INC. (GA)

I recently became aware of several inquiries on my credit reports. I discovered that a previous tenant of mine had fraudulently acquired and used my personal information to obtain credit while he lived with me. I contacted the police and due to a recent outbreak of XXXXXX/XX/XXXXand XX/XX/XXXX XXXX in my city they were unresponsive and advised me to take the matter to civil court and because the tenant had moved to another state there wasn't anything they could do.XX/XX/XXXX promptly and professionally removed the inquiries in question but Equifax and XX/XX/XXXX have refused to do so, telling me that hard inquiries can not be removed unless there is a police report. I will gladly list the inquiries that were done fraudulently for both Equifax and XX/XX/XXXX individually if they contact me so I can list them. 
Additionally, Equifax just lowered my credit score 57 points with no new negative information being listed as the reason. I will attach a copy I obtained showing the drop and the " reasons '' they have done so. 
I am now not able to obtain credit and am in need of a new roof for my house ASAP.
Consumer complaint received 2021-06-19
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: CITIZENS FINANCIAL GROUP, INC. (TX)

I have reviewed my hard credit inquiries as I am currently refinancing my home. Discovered a hard inquiry with Citizens Bank on XX/XX/2021 which I did not authorize. This is the same week I experienced fraudulent activity with my debt card which I reported to my current bank XXXX XXXX. This activity with my debt card has been resolved.
Consumer complaint received 2019-02-03
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MA)

I had a fraudulent account on all 3 of my credit reports. I filed a dispute and both XXXX & XXXX  removed the derogatory account from my credit file. XXXX did nothing at first. I have submitted at least 5 to 7 XXXX online disputes and one through a phone call and they still refuse to remove the fraudulent account. I made contact with the company that is listed as the account that I supposedly owe and they checked and have NO history of me EVER having an account with them. I again submitted a dispute with XXXX with this information and after a " re-investigation '' the dispute was closed with the fraudulent account still on my credit report. 
XXXX refuses to remove this account and I can not get a loan to purchase a home because of this. The account that is listed as a delinquent account is GE Capital Retail Bank, the same bank the your agency has sued and held liable for {$34.00} XXXX for these same accounts that has been on my account since 2013. XXXX is not doing their due diligence in an appropriate investigation because if they did, they would get the same information that I did from Synchrony Bank ( formerly named GE Capital Retail Bank ) and that is ; that I never had an account with their bank.
Consumer complaint received 2019-02-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Bank of america was adjusting my account for lowering the payments and did not post my sent payments to the loan to show the government that we are behind, but we paid all on time direct deposit from my account every month. So this account is paid is full and shows late payments from XX/XX/XXXX to XX/XX/XXXX. We have XXXX kids and this is hurting us whenever we go for a car loan or refinance a mortgage. Please kind help us and our family will be thankful to you
Consumer complaint received 2021-06-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Affirm Holdings, Inc (CA)

I deposited A XXXX transfer from my checking account for {$200.00} on XX/XX/2021 on the same day there was a fraudulent charge for {$270.00} at the XXXX hotel in XXXX XXXX and their office is in XXXX XXXX. Im pretty sure someone clone my car and used it because it was brand new and I only added it to their app for payment so far. But they will not give me access to my {$200.00} that I deposited in the savings account Im trying to transfer it back to my checking and they wont let me they also approve me for loans and then disapprove me for no reason at all except that I probably paid off the loan too fast. I want a full refund and access to my money I would like the loans I was promised for 4 more loans for {$500.00} and 0 % interest but Im the most concerned about having my money back in my checking account. Ive emailed them and called they just hang up on you and there email address replys with this address is not monitored. Their emails literally read out like a child wrote them they say that I stopped the transfer and that I need to talk to me its almost a joke but I want all my money refunded and back in my checking account.
Consumer complaint received 2023-05-27
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: EQUIFAX, INC. (NC)

Ive contacted Equifax multiple times via mail, fax and phone to request that this account with XXXX XXXX XXXX XXXX be removed from my report as ive never had sergvice with XXXX XXXX XXXX I even contacted them and they state they have no record using my social of me owing them a balance. Equifax refuses to remove it stating that i need to send them documentation when ive already sent multiple fax and disputed requests mails to their mailing address! I've been trying to get approved for a home with my children and this collection account has been negatively affecting my ability to lease a home. ive called and disputed over and over again again requesting removal.
Consumer complaint received 2019-02-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Opportunity Financial, LLC (IL)

I was sued by a collection agency named XXXX XXXX for an installment loan I took out with another company named Opportunity Financial LLC. On XX/XX/XXXX we reached a settlement agreement. The agreement stated I would make 3 payments of {$740.00} dollars beginning on XX/XX/XXXX in exchange no judgement would be filled and nothing would be put on my credit report and the debt would be paid in full. On XX/XX/XXXX I made the payment and faxed the signed agreement to XXXX XXXX and was told I did not have to go to court because they would have the judge sign the order and send me a copy. Instead XXXX XXXX took my payment and the signed agreement and still went to court on XX/XX/XXXX and filled a judgement for a higher amount and sent a garnishment on to my place of employment. I contacted XXXX XXXX and was told that a motion to dismiss would be filled. 3 weeks went by and they still did not fill a motion. So I filled a motion with the court to vacate the judgement. XXXX XXXX contacted me on XX/XX/XXXX trying to collect a second payment and threatening me saying if I didn't make the payment they would not dismiss the motion to vacate judgement even though that was the original settlement agreement in the beginning. XXXX XXXX and I made a settlement agreement. I kept my part of the settlement agreement and 2 days later they breached the agreement after taking my money and then threatened me after I filled my motion to get another payment.
Consumer complaint received 2022-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc. (GA)

The original account was fraudulently opened at fingerhut then they sold it to a collection company I contacted that collection company telling them it was not my debt and they said they would remove it off of my credit then a week later they sold the fraudulent debt to another collection company who is threatening to put it on my credit and Garnish my XXXX XXXX. When is this gon na stop I've already filed for identity theft and have proven it is not my debt
Consumer complaint received 2023-04-02
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. (NY)

I have hard inquiries that was made with out my consent. 
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 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 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 15 U.S.C 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 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

Discover has violated my rights under 15 U.S. Code 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 They continue report late payments when its illegal to do so
Consumer complaint received 2022-04-27
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. (FL)

I contacted XXXX XXXX XXXX about my credit report. The reported status of my loan is incorrect. For one, l filed bankruptcy and the loan was never reaffirmed. So why is it still bring reported when they had previously halted reporting my credit to the credit bureaus. Then secondly, l was on forbearance and my payment was not due for the reported late payments reported to Experian. I called last week about this and l am appalled at XXXX because they are purposely doing this as l keep having problems which is ongoing. I want this corrected and my loan was not reaffirmed after my XXXX XXXX XXXX They are in the wrong and l want this fixed. My credit already negative due to the bankruptcy and lm trying to rebound. Yet, XXXX is not helping my situation as they are reporting in bad faith.
Consumer complaint received 2022-04-27
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. (PA)

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I had fraud on my Capitol one card XXXX ending with XXXX a charge for XXXX XXXX on XX/XX/XXXX This was a fraudulent charge on the card so Capitol one sent me a new card which before I even received put the Fraudulent charge back on my new card. I verified my Identity and then sent a New card, they sent to the wrong address after giving me confirmation via email that they had successfully updated my address. Now I must verify my Identity again when it was Capitol Ones Mistake sending to the wrong address. When I call it is 30- 2 hour wait all the times I have called. I don't feel I should have to verify who I am when it was their mistake. They also sent ( 2 ) other cards I have with them to the correct address. They reposted the Fraudulent charge to my card before I even received it and this is a violation of the FCRA because I already stated it was fraudulent. if you check through Complaints with the FTC you will see this company has been illegally taking monies from Customers accounts. There are multiple Complaints. The told me they received the card back but refused to send it back out to me because their Computer was showing that XXXX was a XXXX, Co address and I live in XXXX Co. They still have not sent me that card the XXXX card until I verity who I am. AGAIN I am legally XXXX and the options they have to verify are send a code to my cell phone. I don't have one because IM LEGALLY XXXX. I just want my card. sending to the wrong address could have played out very badly for me but luckily someone sent it back to them. And they violated the FCRA by reposting the Fraudulent charge onto my new card! supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ) is a clear violation! I just want my dam card!
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (DC)

When I first got my American Express XXXX XXXX, I had no credit limit. Without informing me they imposed a credit limit of approximately {$2900.00} in XX/XX/2020, when I made {$37000.00} per year. At the time, I tried to get them to raise the credit limit on my card but they said I needed to provide them documents showing I had a change in income or assets. When I did that, they still denied me even though my annual salary grew to {$67000.00}. I then received a subsequent raises to {$78000.00} per year and then to {$80000.00} year. When I called back recently to try and get it raised again, they told me my type of card was not eligible for a credit limit increase, even though they allowed me to submit documents to try and increase it before with the same card. I was told that I qualified for a XXXX XXXX  and that card would be eligible for a credit limit increase, so I got the XXXX  XXXX  ( which has a {$250.00} annual fee ). Recently, I got the XXXX XXXX and tried to increase my spending limit today and was told that with my current card they only increase spending limits when they review accounts periodically, a direct contradiction of what I was told only a week or two ago. I feel like I'm being defrauded and want help. I have looked through my card holder agreement and can't find any mention of this policy.
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (MD)

Following my divorce in 2014 I had to rely more on my credit card purchases. Over the past XXXX years I've accumulated some sizable credit card debt. Prior to my divorce I never carried a balance on any of the XXXX credit cards that I possess so managing credit card debt was a new challenge for me. With that said, I am very concerned about the amount of fees/interest that Chase has been applying to my balances. I would voluntarily allow any federal regulator to review my entire file with Chase. I'm confident that there is an enormous amount of egregious violations with my credit card statements with Chase.
Consumer complaint received 2022-04-13
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. (CA)

XXXX XXXX XXXX XXXX of XXXX XXXX XXXX  has taken adverse action against me, with forethought and malice, by furnishing grossly inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal and carries civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 

I am acutely aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.SXXXX Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX before it was furnished. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX  to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

All XXXX major credit bureaus : Trans Union, XXXX, and XXXX. 
My legal name is XXXX XXXX, XXXX. I have submitted requests for confirming name from State Driver License, and Social Security Card confirming number. 
They are still refusing to carry my report as XXXX XXXX, XXXX. 
Most of the accounts on the reports, totals are incorrect as I have paid recent debts credit cards or personal loans over XXXX, and several account balances are wrong. 
The XXXX scoring methods are based on incorrect data and negatively affecting my ability to rent or Rent to Own, or Purchase a home or to get moved. 
I sold my home on XX/XX/2022 and immediately began paying off debt, yet most accounts are not being reported correctly. This is negatively affecting my Debt to Income Ratio which is extremely important to underwriters in the loan process. 
I am still living in the home sold, but paying market rent, which is currently exorbitant compared to my income as a Retired Single man. 
All 3 are currently FROZEN until I can begin the process to correct all 3 reports. 
When should I begin to remove these Freezes so, the corrections can be completed??
Consumer complaint received 2022-10-22
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. (GA)

Re : XXXXXXXX XXXX XXXX XXXXXXXX Account, Acct. # : XXXX XXXX XXXX XXXX I sent a letter to XXXX XXXX on XX/XX/22 certified mail tracking # XXXX XXXX XXXX XXXX XXXX stating that illegal information is being reported by them on my credit report specifically, my credit utilization. In response, I received a letter from them ( attached ) stating that my request was received and in accordance to FCRA, they do not remove or change negative reporting unless it was reported in error. They further encouraged me to reach out to the credit bureaus to dispute the reporting. 

THIS IS ABSOLUTELY UNACCEPTABLE AS THE REPORTING OF CREDIT UTILIZATION IS ILLEGAL. 

Upon carefully reviewing 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), it clearly states the following : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As such, the reporting of any transaction or experience on my consumer credit report is ILLEGAL and forbidden by government.
Consumer complaint received 2018-12-30
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I continue and will continue to address this situation. I feel everytime that I have addressed this matter with Capital One Bank about the unauthorized inquires, they continue to respond saying that they have no record. The record is there where there representatives have told me that they had no such record that was found. 

I still question where these inquires came from. The other credit bereaus investigated and found my case to be fraudulant applications and immediately removed but Equifax continues to hold this situation up and continues to insist that II have capital one deal with this situation. 

Capital One continues to discriminate towards me and not properly addressing my concerns. I have ask for the inquiries to be removed and as i stated before until they disappear off my credit report I will not quit with the complaints till a resolve has been reached.
Consumer complaint received 2021-03-31
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Premier Auto Credit (CA)

This debt company XXXX XXXX XXXX is misrepresenting the amount owed, and this collection was resold by XXXX Premier Auto Credit XXXX after being closed. This was a lemon vehicle that was sold to me in 2015 and caught fire with me and my children in it due to problems on it the dealer wouldn't fix. thankfully we got out safe, but the finance company still charged me for the car that caught fire a year later. 

They are harassing me with this collection that should fell off my report after 7yrs, here it is 7yrs later and they are still harassing me and reselling it to other collectors to harass me. The lemon car catching fire with my family in it was traumatizing enough now they harass me more. Its stressful.