davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
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. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-30
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX PL XXXX, FL XXXX XX/XX/XXXX SSN # : XXXX Date : XXXX Dispute of Unauthorized Credit Inquiries. 

To Whom It May Concern, 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. XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Basis for Dispute 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. 

Request XXXX request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification 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. 

Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2020-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (DE)

I have been using the app XXXX for a long time now. For the past couple of weeks/month my PNC account hasnt been able to link to the app. It stated that PNC is blocking the ability to link accounts. Im not sure why when my credentials where verified.
Consumer complaint received 2021-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

this company started reporting inaccurate information in my credit report, and refuse to remove it. I started an investigation on XX/XX/2020 and up today they have not remove all inaccurate information that is hurting my reputation.
Consumer complaint received 2019-11-19
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: EQUIFAX, INC. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-01-06
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. (OH)

I have hand written and sent via XXXX  certified mail to remove companies that have reported misleading information on my credit report i demanded they re-validate this information and i have not recieved any information of these items being deleted under the section act 15 usc section 1681i these items need to be deleted immediatetly i will take legal action for extortion of my character to be able to have lenders extend loans to me and characterize me as not being able to pay back debt. 

I again demand these companies be deleted immediately and inquiries XXXX XXXX  # XXXX XXXX  XXXX  # XXXX
Consumer complaint received 2021-01-07
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. (CA)

Upon review the files, it comes to the attention that there is an Error information appear regarding about a XXXX  XXXX on XX/XX/XXXX XXXX XXXX incurred on XX/XX/XXXX, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On or about beginning of XXXX XXXX i had apply for a credit card ( walmart /capital one ). it was turn down because of the credit score that XXXX had sent them ( XXXX ). i had called XXXX about it and they said they did not tell capital one that, dated XX/XX/2020 from source : XXXX consumer relations. I have an XXXX credit score of XXXX on line from XXXX. i had filed a dispute with XXXX  on XX/XX/2020, about this. ( # XXXX ) .now i don '' t who is tell what to who or who is just putting down the wrong information. I had sent a letter to capital one with the same information, that seem to be the only way to contact.them haven't heard from them. 

Now just apply for a XXXX XXXX credit that was turn down by The creditor is XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX again by XXXX  info, .I only use 2 % of my credit creditworthiness. & credit score of XXXX i have 21 credit card i really don't need another card but i get for the discount & rebates. 

THANKS XXXX XXXX
Consumer complaint received 2021-01-07
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. (SC)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2021-01-07
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. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX - FCRA Violation Account Info XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX Employers XXXX XXXX XXXX
Consumer complaint received 2021-01-06
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: EQUIFAX, INC. (AL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigated these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 40 days so they should be deleted promptly. I demand these accounts be deleted immediately of I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-06
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. (SC)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2023-09-14
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2021-01-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

My husband and I apply with our mortgage company to refinance, back on XX/XX/2020 after 5 long months of waiting The loan officer approved our refinance amount, to 3.75 % to 30 years we wanted to negotiate with him the terms of interest to high and the market were still is in 2 % or less than 3 % and he desires to close the case and denied the credit. 

During those 5 months, we pay the necessary fees and sent several emails phone calls trying to speak to this loan officer. In those 5 months, he spoke to my husband 1 time to collect the necessary documents and that is all. 
We applied with another company and close within 45 days. 
I'm complaining because this can not happen to anybody else. 
I just want to make a note of this officer 's behavior.
Consumer complaint received 2021-01-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Credit acceptance account was closed all of a sudden it is open back and said I owe XXXX now but a year ago they said it was closed and I owe XXXX now I know for sure I dont how them any money and I'm not sure how it was open back up and it also say someone is making payments on it and it wasn't me.
Consumer complaint received 2021-01-01
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: Experian Information Solutions Inc. (CA)

I have submitted my documents to all credit bureaus over the last 7 months and now I am filing a complaint because they are violating my rights as a consumer. In XX/XX/XXXX, I mailed certified letters and affidavits to each credit bureau and received confirmations via my tracking numbers. According to the Fair Credit Reporting Act 611, I have to give them 30 days. Due to the pandemic, I have given them extended time and mailing in another set of documents with tracking in XX/XX/XXXX. Then I had health issues and waited until XX/XX/XXXX before mailing in additional documents and so forth and now it is XX/XX/XXXX and still NOTHING! I have spent thousands of dollars of my time mailing in my own disputes, online credit monitoring memberships only to still be a victim. This is such a disappointment in our credit system that the bureaus will treat consumers like this, even with the pandemic going on, I expected some sort of system in place. I have a family to provide for and need a loan to help pay for our basic human necessities. I can not apply with the way my credit is and I am filing a complaint with the Consumer Financial Protection Bureau to help me with this. Here are the numerous tracking confirmations that I have sent : USPS Tracking : XXXX Delivered XX/XX/XXXX : USPS Tracking : XXXX Delivered XX/XX/XXXX USPS XXXX : XXXX Delivered XX/XX/XXXX Tracking : XXXX sent out to Experian XXXX, Delivered XX/XX/XXXX Tracking : XXXX Sent XXXX to XXXX, Delivered XX/XX/XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX  Tracking : XXXX XX/XX/XXXX XXXX  Tracking : XXXX
Consumer complaint received 2021-01-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

To whom it may concern, We wanted to file a complaint regarding the very unpleasant mortgage application experience we are having with Chase.

We started our mortgage application with Chase on XX/XX/XXXX, and always provided requested document within 1 day. Chase promised that they can get the loan done before our closing date of XX/XX/XXXX. However, they started to become very unresponsive as we came close to closing date. Every time we check in with them, they claim things are still under review. Now we are well past our closing date and if we can not close in the next few days we would need to pay a daily penalty of XXXX {$500.00} to the building sponsor. We called and emailed but the person responsible for underwriting is not responding. 

We would like to raise this issue and hope your organization could help us escalate to Chase to have it resolved ASAP.
Consumer complaint received 2019-05-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (FL)

XXXX XXXX XXXX called me about a XXXX collection debt in XX/XX/2018 for {$1100.00}. I requested a validation letter with documents from original creditor to which they only sent a statement from their company. I have no proof this is mine or accurate and they are reporting a collection on my credit report. When I call to obtain verifiable debt documentation they refuse to provide anything and as of today said they weren't allowed to since I filed a dispute. However, XXXX closed my dispute as accurate without obtaining any real proof advising me to file a complaint with FTC. All my accounts are current and paid on a timely manner. I have also tried to contact the original creditor, XXXX XXXX XXXX to which they have no record when providing my name, account number and amount.
Consumer complaint received 2020-04-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MI)

An XXXX credit card account was sent to an collection agency. I have officially disputed the accuracy of the account info in XX/XX/2019. I have yet to receive a response from Midland Credit. I am trying to resolve the account but they have not verified or updated the account info based on the legal time frames that have been established. I have made several follow-up call to Midland Credit but there is still no resolution.
Consumer complaint received 2020-04-02
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. (AR)

I was recently going to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX {$880.00} XXXX   XXXX {$4600.00} XXXX XXXX XXXX {$53000.00} XXXX  XXXX XXXX {$430.00} XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX   XXXX {$28000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1000.00} XXXX/XXXX  XXXX {$0.00} XXXX  XXXX XXXX {$1600.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}
Consumer complaint received 2019-11-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (WA)

I opened an auto loan with Credit Acceptance corp. Due to a repossession in my past I was told I would need to allow them to install a vehicle tracker in my car. This did not seem unreasonable at the time but since then I have learned they are able to remotely disable my vehicle and will call me, sometime 7-8 times an hour, requesting payment of a late fee or service fee even though according to my credit report, I have made all of my payments on time since XX/XX/XXXX of last year. I am often confused about the nature and origin of these fees but will pay them out of fear that I will be stranded or not able to get to work. I have asked to move my billing date to allow me to get caught up and remain in good standing with my loan but they refused and the seemingly random fees make it impossible to get ahead. I feel as though I am being held hostage and have no idea if what they are doing is legal. Please help me.
Consumer complaint received 2020-04-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (FL)

Wired money to WU-registered recipient in XXXX. Transfer was advertised and promised to be sent in minutes. Transfer was time sensitive as funds were needed for family members urgent medical expenses. Funds were still not received after more than two hours and three visits to XXXX WU office. Sender was advised upon inquiry of the delay that a hold was placed due to people being scammed into sending money to XXXX. Since this was clearly not the case on this transaction, and since sender, recipient, reason for transaction and other elements were all on file from previous transfers, this delay was unexpected and certainly other than as advertised. This created not only an inconvenience, but a hardship and potentially dangerous result because of the reason for the funds for health care for a XXXX year old relative in the face of the Covid 19 pandemic. Before filing this complaint, sender reached out to Western Union to ask just how long they would have withheld funds if not pursued by sender ( funds were finally released after our complaint and challenge ). The WU representative after hearing my question just hung up. I believe the WU advertisement and claim that international money transfers will be sent within minutes is false and misleading. This in addition to unjust enrichment via earning on my money during delay as well as having collected the transfer fee.
Consumer complaint received 2019-05-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: Social Finance, Inc. (VA)

I recently opened a checking/saving account with Sofi. In early XXXX, I attempted to make a deposit to the account using Sofi 's smartphone app ( Sofi does have brick and mortar outlets ). Upon completing the deposit, my account was immediately frozen. After many calls to Sofi customer service, I've only been told that my account is under review for " security reasons '' and that the office that completes the reviews is " backed up. '' I was also told ( snidely ) that my user agreement allows them to freeze the account for up to 10 days to " investigate inconsistencies. '' Now, almost a month later my account remains frozen with no explanation. Is it legal for a financial institution to continue to block access to the funds in my account? I find their behavior suspicious and wonder if they are simply floating the money for their own gain or worse have become insolvent. Again, their customers service by phone is completely unhelpful and there is no physical office to visit.