davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation (TX)

In accordance with the fair credit Reporting act XXXXXXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat payment on a credit card account under en open end consumer credit plan as late payments
Consumer complaint received 2022-08-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SET Financial Corporation (MO)

I noticed this account on my credit report. I have written this company numerous times and they have never responded by mail, email or phone, ever. It says it was sold to XXXX XXXX XXXX. They have never contacted me, either. I tried to login to their website and it says that my information doesn't match their records. This is an unknown account being reported to my credit reports makes it identity theft. It says that I have made some payments, which is not true. I have never made a payment on this account. Which makes this account, inaccurate and unverifiable, which is grounds for deletion.
Consumer complaint received 2023-03-30
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. (NY)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-12-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (NJ)

I believe it began in XXXX or XXXX, I received a XXXX  text from the scammer, posing as XXXX, it seemed as if it was directed to a different person, she asked if it was XXXX I said no.. We started chatting about business. She said she was a crypto currency expert, she instructed me to trade on XXXX and led me through it completely. I did an initial payment of XXXX which on paper turned out to be XXXX dollars. It seemed very sophisticated to me. I then Invested XXXX XXXX, it turned out to be a XXXX XXXX. After I tried to withdraw the funds they told I he had to pay a certain fee, I payed it, more funds were then transferred through multiple banks. Crypto.com throughout all of this never once wared me against submitting sending the funds, eventhough they had the resources to view and see that the account i was sending funds to was clearly red flagged.
Consumer complaint received 2023-06-12
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. (OK)

I lost my wallet back in XXXX with my drivers license and social security card in it. I recently tried to apply for a mortgage and theres a lot of unauthorized inquiries and even an account that I did not open. Please delete the following inquiries that I did not authorize. 

XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

I have a Visa credit card from Citibank associated with Costco, however I use my other Visa card from different bank and never even activated the one from Citibank. I didn't realize that the Citibank Visa card will automatically charged my membership fee with Costco and I was out of the country from XX/XX/XXXX to XX/XX/XXXX this year. After I came back I found bills from Citibank charged my membership and late fees totaling more than XXXX dollars. I spoke to both Citibank and Costco and was told my membership fee was automatically charged and I had no way of knowing it until the bill came in XXXX. Since I was out in XXXX and I didn't know until I came back on XX/XX/XXXX. I also pointed out that I had shopped in XXXXXXXX XXXX Costco for at least 5 times and was recognized. And I, in accordance with the Citibank manager 's advice, remitted the membership fee. But yesterday I received another bill from Citibank, still charged me late fee. I called the Citibank manager, named XXXX, but he claimed he can't remove it. So here I am, filing this complaint for your judgement.
Consumer complaint received 2023-03-30
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)

Dear sir or maam The credit beruaes are in continuous disrespect of the laws. I have showed them several times how they are violating the Fair Credit Reporting Act. 

In according to 15 USC 1681B ( 1 ) do not have written permission.

According to 15 UsC 1681I ( 5 ) THE CREDIT BEREAUS HAVE TO MIDIFY OR DELETE ACCOUNTS THAT ARE NOT REPORTING ACCURATELY.

ACCORDING TO 15USC 1681 I have the right to privacy According to 15 USC 1681s-2 a person shall not furnishany information related to the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) reporting information after notice and confirmation of errors ( XXXX  ) a person shall not furnish information related to a consumer to any consumer reporting agency if ( XXXX ) The person has been notified by the consumer at the address specified by the consumer for such notices, that specific information is inaccurate and the information is in fact inaccurate. 

I can continue to go on and on and someone needs to hold them accountable for this. 

I have sent documentaion and I continue to receive generated responses and no follow. This has caused me great distress.
Consumer complaint received 2024-09-26
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. (CA)

TransUnion LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Removal of Fraudulent Inquiry Dear TransUnion Customer Service, I am writing to formally dispute a fraudulent inquiry listed on my TransUnion credit report. The inquiry in question was made by XXXX XXXX  on XX/XX/XXXX. I believe this inquiry is the result of identity theft and does not pertain to any account or application that I have authorized. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 6 ), inquiries resulting from fraud must be removed from credit reports. This section mandates that if the consumer provides sufficient evidence of identity theft, the reporting agency must block any information related to the fraudulent activity. Since neither TransUnion nor XXXX XXXX  has provided proof that this inquiry is legitimate or belongs to me, I request that you promptly remove it from my credit report. 

Please consider this letter as my official request for an investigation into this matter. I also ask for a confirmation of the removal once it has been completed. Attached are any documents I have that may support my claim. 

fraudulent inquire XXXX XXXX  ( XXXX, XXXX XXXX ) Thank you for your prompt attention to this serious matter.
Consumer complaint received 2024-11-22
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-31
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. (NJ)

I am submitting this formal dispute to correct the inaccuracies and Metro 2 reporting violations that appear on my credit report. The following accounts have been reported in a manner that directly violates the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX ( XXXX ) Metro 2 format requirements. 
XXXX  [ XXXX ] 1. Conflicting Account Status : Reporting the account as both " Current '' and " Closed '' is misleading and non-compliant with Metro 2 standards. 
2. Dispute Status Error : The status " Account Not Disputed '' is inaccurate and violates 623 of the FCRA. 
3. Late Payment Error : The account shows a 30-day late payment, which contradicts the XXXX balance and closed status. 
4. Inconsistent Reporting : Dates of last payment and activity are misaligned across bureaus. 
XXXX XXXX Account Number : [ XXXX ] XXXX. Duplicate Late Payment Marks : The account shows repeated 30, 60, and 90-day lates, suggesting inaccurate reporting. 
2. Inconsistent Dispute Status : Remarks indicate that disputes were resolved, yet the status remains " Account Not Disputed. '' 3. Misaligned Dates : Dates of last activity differ significantly between bureaus, undermining reporting accuracy. 
4. Balance and Term Length Issues : Term length and balance reporting are inconsistent, affecting the validity of the account.
Consumer complaint received 2024-08-28
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Point Digital Finance, Inc. (CA)

Roughly 6 years ago, I signed a contract with Point Digital Finance in exchange for a loan, which entitles them to a percentage of the equity gained in my home. The methods to terminate this contract/agreement are to either sell my home or refinance, but a refinance requires the property be appraised. Either the home sale price or appraisal price will determine the precise amount of money I owe to Point, in order to terminate the contract. 

At the beginning of XXXX, my home lender, XXXX, hired an appraiser to evaluate the property. His appraisal valued our home at $ XXXX. When submitted to Point to determine the payoff amount, they responded that they wanted to order a second appraisal. The second appraisal was ordered on XX/XX/XXXX and performed on XX/XX/XXXX by XXXX XXXX from XXXX XXXX XXXX XXXX. 

The first appraisal fairly and accurately noted the significant disparities in the home features or amenities between my home and the ones used for " Comparable Sales. '' XXXX XXXX did not even note the differences in the properties and therefore blatantly did not follow ethical guidelines for evaluating comparable sales in nearby properties. 

XXXX XXXX failure to abide by ethical practices resulted in an appraisal value of $ XXXX for our home, a difference of $ XXXX, which significantly raises the loan payoff amount required by Point, and exceeds the value my bank is willing to refinance me for, making that not a viable option. 

I have the authority to hire another appraiser to evaluate the property, but under the terms of the contract, the three values are to be averaged, and that number is to be used to determine my loan payoff amount. Even if the third appraisal is performed ethically and is considered within a reasonable amount of the propertys actual value, the appraisal ordered by Point is so drastically different, it is going to inflate the amount Point is eligible to receive, leaving me unable to pay off the roofer who installed a new roof for us this summer.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

" A direct deposit, in banking, is a deposit of money by a payer directly into a payee 's bank account. '' - XXXX By refusing to accept a disbursement from my XXXX IRA as a " qualifying direct deposit '' for their promotional offer, Chase is discriminating against my source of income, acting in bad faith, and deceptively advertising their promotion.

Chase bank has advertised a promotional offer, whereby they promise to pay a {$600.00} bonus to customers who open a checking and savings account, deposit and keep {$15000.00} in the savings account for 3 months, and make a direct deposit to the checking account. Chase does not specify an minimum amount or frequency for the direct deposit, but they do give some examples of what won't be accepted for the purposes of the offer, such as micro-deposits or person-to-person payments. An email I received XX/XX/22 from Chase 's customer service stated : " Please be reminded that a Direct Deposit is whether your paycheck, Social Security or another source such as a pension or retirement plan credited directly using your account and routing number. '' After completing the requirements and not receiving the bonus, I contacted Chase who connected me to a special department, a liaison office between the customer and what Chase refers to as their " E-coupon department. '' In phone conversations on XX/XX/22 and XX/XX/22, I was told repeatedly that transfers from a retirement account would qualify, but that the direct deposit from my XXXX IRA was " coded '' as coming from an investment account. The CSR suggested that if I provided a screen-shot showing the deposit was from an IRA, Chase would honor their offer. However, after providing this evidence, in a phone call on XX/XX/22, the CSR changed her story and said that IRA distributions would not be accepted for this promotion. 

For the record, XXXX XXXX, XXXX, and Chase on previous occasions, have accepted - without issue - a distribution from my XXXX IRA as satisfying a direct-deposit requirement. 

Since my direct deposit met all requirements, except, according to Chase, the SOURCE of the deposit, and since all of my income is from XXXX and other bank deposits, it really does seem that Chase is discriminating against me based on my source of income.

Beyond this, it really seems that Chase is going out of their way to snub customers, despite the fact they have FULFILLED ALL THE FINANCIAL REQUIREMENTS of the offer. If the purpose of the offer is to gain more happy customers, Chase is achieving quite the opposite. 

By any normal definition, an electronic payment of my IRA distribution from XXXX to Chase IS a direct deposit, and Chase stated on three occasions, that a deposit from a retirement account was acceptable, so I am asking Chase to pay the full {$600.00} bonus to my account, as per their advertised offer.
Consumer complaint received 2023-06-12
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. (AL)

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.

The letters are stated with items and issues.

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 XXXX 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 2023-03-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

XX/XX/XXXX This company has charged me for taxes on a parcel number that does not belong to me! They said it is on my legal documents but when I looked at my paperwork, I have one property and one parcel number. I already contacted my local tax office. The other parcel number belongs to my neighbor with a totally different last name. I have no relation or ownership to this other property yet I have been charged about XXXX XXXX dollars! This company 's employees are rude and basically told me there is nothing they can do! Someone finally reached out to me regarding this issue in XXXX and said things will be fixed but no action has been made as of XXXX XXXX. They took out my money real quick but are dragging their feet to refund me! This is not my fault at all. They literally charged me for my neighbor 's taxes twice XXXX and XXXX and have not fixed their mistake. Supposably the other parcel was taken off my account but my refund has not be made. My escrow account was negative due to the overage of paid taxes out of the account. I now have to pay for an escrow shortage because the almost {$5000.00} was taken from it! I call and call and the agents are rude and no one wants to help. They said nothing can be done until they see I get a refund but that makes no sense when they should see on their end that they made a mistake and they owe me! They have little to no knowledge and also hang up on me! This is a serious issue! This is the second XXXX  complaint and third complaint overall regarding this matter! It is the only way to get someone to communicate! I need a refund asap or I will take action with an attorney! This is ridiculous! I need a written explanation of charges, another escrow analysis of last year and this year and a refund ASAP
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Loans were XXXX a long time ago and this has not been reported to the credit bureaus. My balance is now XXXX however the credit bureaus are still showing that I have many thousands of debt. Some of the loan balances have not been updated since XXXX. The one that was updated in XXXX still shows incorrect information.