davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-05
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. (OR)

I received a payday loan from XXXX XXXX XXXX in XX/XX/2020 and I paid it back on time one month later. Then I received another payday loan XX/XX/2020 and paid it back on time one month later. I have recently noticed I have two hard inquiries from them I did not authorize them to do a credit check, nor did they disclose to me that they were doing a credit check it was literally a four minute interaction I was borrowing money from my own paycheck..On top of that they did too hard credit checks within a one month period for the exact same amount.
Consumer complaint received 2020-09-04
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: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OR)

I received a payday loan from Ace Cash Express in XX/XX/2020 and I paid it back on time one month later. Then I received another payday loan XX/XX/2020 and paid it back on time one month later. I have recently noticed I have two hard inquiries from them I did not authorize them to do a credit check, nor did they disclose to me that they were doing a credit check it was literally a four minute interaction I was borrowing money from my own paycheck..On top of that they did too hard credit checks within a one month period for the exact same amount.
Consumer complaint received 2024-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my credit report and found unauthorized inquiries. 

Creditor Date of inquiry XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-15
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. (GA)

On XX/XX/23 I sent notification of identity theft on my credit report to XXXX, XXXX and Equifax. I included all accounts that were fraudulent as well as supporting documentation. Police report and my drivers license. I filed a complaint on identitytheft.gov and forwarded the information to the bureaus and the companies reporting.
Consumer complaint received 2020-09-05
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: Experian Information Solutions Inc. (MO)

The following accounts are fraudulent accounts inwhich has mentally and emotionally taken affect on me. In addition the 3 major credit reporting agencies are reporting these accounts without physical documentation. I'm now demanding the Method of Verification inwhich was used in the process of the investigative matter of these accounts. I'm demanding the name and title of the investigator. Also what method was used, tlphone, fax, XXXX XXXX, etc. If you nor your companies can provide this information then please remove and block these accounts immediately. 

1 ) XXXX XXXX {$190.00} 2 ) XXXX XXXX XXXX XXXX 3 )  XXXX XXXX 4 ) XXXX
Consumer complaint received 2023-04-15
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. (NJ)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX name XXXX, XXXX NEED TO REMOVE IN 14 TO 30 days THANK YOU XXXX XXXX
Consumer complaint received 2024-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (TX)

I am writing in response to a collection notice I received from IC Systems, which I believe to be invalid. I respectfully request your assistance in addressing this matter. 

I do not recognize this debt as valid for the following reasons : 1. I have not been provided sufficient documentation or proof of the validity of the debt.

2. To the best of my knowledge, I do not owe the amount claimed.

3. There may be errors or inaccuracies associated with this alleged account.

I have requested verification from IC Systems under my rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ). To date, they have not provided any evidence that substantiates this claim, including a breakdown of the amount, proof of my agreement to the debt, or original creditor information.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I sent a letter on XX/XX/2022 to remove personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 and 15 USC 6802 ; I have the right to privacy and no financial institution is not supposed to share my information to third party people. 
These are clear violations of my federally protected consumer rights.
Consumer complaint received 2020-09-05
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

My wife and I applied for a refinance through Fifth Third Bank and during the time we were told an estimated close time would be between 30 and 45 days. We went through 3 different loan officers in a period of 71 days. My wife asked to speak to a manager, who talked to her like she was bothering him and annoyed by her call. We decided to take our loan to another lender, and in less than 14 days we were able to close with another lender with the rate we wanted. 

My wife is XXXX and due in mid XXXX, so Fifth Third ( 5/3 ) was aware and told of the urgency, but still after 71 days had done nothing. The process had not moved along and they were lost when she called. No appraisal had been done because our home was only a year old. We were told we would be refunded our {$390.00} on more than one occasion, only to have a call by a " manager '' who said it was not refundable. We posted on their social media about how we felt it was  not warranted, considering they had done nothing for over 2 months. I was called by someone in their social media complaint department that " investigated '' our claim, only to say the money would not be refunded. The reason was because it was an application fee. Under TILA, it was my understanding that all monies, minus the appraisal, and possibly the credit report is refundable under the " Right to Rescind '' on a refinance. The bank did not do what they told us and underperformed their duties and obligation to us and we went to another institution that was able to get it done before losing our rate. I fail to understand the incentive for an institution to do their job if they  don't care if you go somewhere else only so they can keep your money. 

I told them that it will not go silently and I would report it, the bank pretty much let me know they were sorry and still stood their ground. It just seem unfair that a financial institution can take as long as they want, despite their being urgency to lock in a rate and not care, keeping an applicants money.
Consumer complaint received 2020-07-01
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. (AR)

I was informed by my banker ( 20 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2023-04-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I first tried to close my account via telephone with Capital One in mid XXXX. I asked that the funds by send to my XXXX XXXX XXXX XXXX XXXX account which had an ACH / transfer relationship pre-established with the Capital One account. After a couple of weeks I noticed that the funds had not gone into my XXXX account and that the Capital One account did not appear closed. So on XX/XX/XXXX, I called Capital One and asked what happened. They told me that there was " a problem '' with transferring the funds to my other bank. Which was odd because the funds in the Capital One Savings Account were originally transferred from the XXXX account quite easily. But they never bothered to contact me or anything, they just stopped the process. 

So on XX/XX/XXXX, I also requested, again, that they close my account and send me a cashier 's check. Online the account is closed, but as of XX/XX/XXXX I have not received a check. I call them on XX/XX/XXXX and the representative tells me that the cashier 's check for over {$10000.00} was sent by regular postal mail. No tracking, no nothing. She tells me that she will have to " open a case '' which could take 3 to 5 business days. And that only then they will cancel the original check. Then they " may '' have to mail me, via post, an affidavit ( which I assume I will have to mail back ). More and more time. At that time it will take 7 to 10 business days to cut me a new check. Which will then be mailed again via regular mail, no tracking, no signature required. No chance for FedEx to get it to me right away since now it's been weeks and weeks and weeks I've requested my money- which is over {$10000.00} and quite a lot to me. 

I absolutely do not believe they original check has been cut and sent. I have never had problems receiving my mail at my location. New credit cards, important checks. Anything. Capital One needs to resolve this and send me money in the fastest way possible.
Consumer complaint received 2022-04-26
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. (VA)

I filed a dispute on my student loans ( XXXX ) with XXXX and will be doing so with the other credit bureaus. They did not fix the issue. I was still in college in XXXX and graduated in XX/XX/XXXX. XXXX reported that a late payment in XXXX which I was in a grace 6 months after graduating and reported several in XXXX. I was in forbearance in XXXX as my mom had XXXX and even shows on their own documentation that I was in forbearance in XXXX. XXXX did not fix this issue and when I called XXXX they said they seen this but I would have to dispute it with the credit bureaus. It's ridiculous that I even have to do this to get this off of my credit report. XXXX made a lot of mistakes and has been sued for those and this is one of their mistakes that needs corrected. If I have to get an attorney to get this fixed I will. It says right on the paper work from XXXX that I was in grace and forbearance during these times. I will also being sending this complaint to the Department of Education and some other folks to look into this. 

Grace- XXXX Administrative Forbearance- XX/XX/XXXX through XX/XX/XXXX Administrative Forbearance- XXXX XX/XX/XXXX Admin Forbearance - XXXX XX/XX/XXXX Disaster Forbearance XXXX Voluntary Forbearance XX/XX/XXXX - XX/XX/XXXX
Consumer complaint received 2022-07-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (SC)

Savings account opened. Monthly fee {$15.00}, waived if I have {$20000.00}. I deposited {$20000.00} within a matter of days after account opening, but still charged a fee. Very fraudulent marketing!
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I was viewing my consumer report and noticed accounts, names, inquiries, and addresses that I do not recognize I did not give any person or company permission to furnish anything on my consumer report. These companies are in direct violation of the fcra and the fdcpa according to 15 usc 1681 ( b ) ( 2 ) these companies need my permission to furnish my personal information on my consumer report which they do not have. They also violated my right to privacy according to 15 usc 1681 ( a ) ( 4 ) These companies know the law and they are blatantly disregarding federal law while knowing and understanding 15 usc 1611. I demand these companies removed all disputed and inaccurate information on my consumer report.
Consumer complaint received 2020-09-05
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: Nelnet, Inc. (FL)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. 
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2022-07-31
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. (GA)

XXXX XXXX XXXX. XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XX/XX/XXXX I need clarification as to why you are reporting certain information on my credit report. Please review the following XXXX XXXX Opened XX/XX/XXXX Open balance {$150.00} High credit is lower than balance, delete for inaccurate reporting.
Consumer complaint received 2022-04-26
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have been a card holder of Capital One for several years now. Over a year ago I reached out to customer service regarding my {$600.00} credit limit on a secured credit card I had with them. At the time of my call, I had demonstrated on-time payment history for the past 2 years. I requested my account be evaluated for graduation to an unsecured credit account. I have several unsecured cards with much higher spending limits. I was told a request would be submitted and I should expect to hear back in 30-45days. No communication has came from capital one regarding this matter. Additionally, I acquired an auto loan for approximately $ XXXX with Capital One and had absolutely no late payments and the loan was paid in full last year. This company knows I have good repayment history which is why they send additional offers. Capital One also just pre-approved me for another auto loan for over $ XXXX but wont grant me more than {$600.00} on my credit card? I also pre-qualified for the XXXX Capital One Cars. Very unfair how they treat loyal card holders by forcing them to open new accounts to get additional credit as opposed to acknowledging our requests on our existing accounts. My credit score is more than XXXX points higher than it was when I signed up for this card and my account has not been released into a secured card.
Consumer complaint received 2022-04-26
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: Experian Information Solutions Inc. (IL)

I have been recently on a credit building journey, I have been building my credit profile up for about 1 year now and I try my best to monitor my reports best I can, upon reviewing my report which I try and do monthly to my surprise I noticed my credit score dropped a lot of points I clicked on what the factor was for the drop in points and thats when I came across the FRAUDULENT account in question. It says it from XXXX of XXXX and that the collections was opened up in XXXX of XXXX, XX/XX/XXXX is when I noticed it on my account and was in my credit report by that time. this charge and collection is FRAUD I did Not commit these acts I am a Victim and a TARGET OF IDENTITY THEFT Ive contacted the credit bureaus and Ive tried to contact the company which holds the debt and they talked to me like I was incompetent and said those was nothing that can be done and they tried to get me to pay for Account that was FRAUD, Ive requested that the company XXXX XXXX XXXX send me a FRAUD PACKET IN THE MAIL the company said there was nothing they can do, Im hoping I can have someone on my side to fight this fight with me for these FRAUDULENT CHARGES ON MY CREDIT REPORT. I am currently trying to purchase a house and I dont think its fair that THIS FRAUDULENT ACTIVITY is holding me back after Ive worked so hard to build my credit profile. 

The original creditor as reported on my Credit report is XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-06-03
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: Avant Holding Company, Inc. (PA)

On XX/XX/2022, I opened a credit card account with AVANT XXXX. Since opening the account and paying an annual fee of {$39.00} I have yet to receive my credit card. I have spoken to them numerous times on the phone and given the same response that I will receive a new credit card within 10-15 days. 
I called then on XX/XX/2022 @ XXXX, XX/XX/2022 @ XXXX XX/XX/2022 @ XXXX, XX/XX/2022 @ XXXX. What can be done about this? 

XXXX XXXX
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (GA)

My ex stole my Amex card from the safe, opened one in his name as an authorized user without my knowledge, had all our mail ( including mine ) forwarded to a po box , maxed out my credit card, and did not pay the bill. When I found out, I had his card canceled and disputed the charges. It is fraud. Amex had me pay minimum balances for months saying it was in dispute and they were trying to get the final payoff down for me. In XXXX I received a letter from Amex stating my final payoff would be {$6000.00}. In XXXX I spoke to the same representative again and he said he was trying to get it down to {$4000.00} and I should wait two weeks for him to call me back. After only one week I received a call from a different person saying my account has been moved and they refused to listen to me or acknowledge the previous promise. I have the letter from Amex, all the phone calls documented, and the names of all the representatives I've spoken to. I am requesting help fighting for what was promised to me. It is Amex 's fault to begin with letting my ex steal from me and open up another card and letting him use my card. They aren't my purchases. Thank you for your help. 

XXXX XXXX
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Tally Technologies (CA)

On XX/XX/2020, I paid off my loan in full with Tally Technologies. They said that my credit report would be updated within two weeks with the account being paid off. 

On XX/XX/2020, the " paid off '' account status still did not appear on my credit report, and the account showed an incorrect and old balance from over a year ago ( much higher and therefore affecting my credit score ) on the credit report. I emailed asking for corrected information. 

On XX/XX/2020, Tally Technologies reported my account as " Charged-Off. '' This is extremely incorrect and fraudulent. 

Not only has Tally acted in fraud and bad-faith, they have been usurious in their interest charges before the account was paid off. They should be investigated for their credit reporting practices, which are NOT in compliance with the FCRA.
Consumer complaint received 2022-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had filed a dispute for {$75.00} for XXXX XXXX for a XXXX XXXX and XXXX XXXX for {$80.00}. Which was later reversed after I expressed my reasons and displeasure with both. I did not authorize XXXX XXXX to charge my card. And in regards to the other service my acrylic nails wasn't properly installed on my fingernail tips. I'm very upset that I had to file a complaint against capital one. But this issue has not been fixed. I sent in the required documentation but it seems like they decided to side with the merchant when i should've gotten my refund.
Consumer complaint received 2020-09-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: National Credit Adjusters, LLC (CA)

Called National Credit Adjusters on XX/XX/2020 and was redirected 4 times to find my account. In the end no one wanted to let me know who to contact. Received a voicemail on XX/XX/2020 to contact them back. Called with no answers. Called original creditors XX/XX/2020. Nice lady let me know of original loan number but recommended I call let her know of situation and said to call her back on Tuesday. Yeah I just wan na pay my debt off.