davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-08
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: Experian Information Solutions Inc. (GA)

I HAVE MANY INQUIRES ANS APPLICATIONS ON MY CREDIT PROFILE THAT I DID NOT AUTHORIZE OR GIVE ANY ONE CONSENT TO USE MY SOCIAL SECURITY NUMBER THESE INQUIRES ARE FRAUDULENT ON MY CREDIT PROFILE
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC. (GA)

There are a ton of inquiries showing up on my report that I do not recognize. These companies had has not had my written nor verbal permission to access my credit file. I have reached out to each company individually and they have each stated for me to contact the credit bureaus. In doing so, each credit bureau has not addressed this issue in a timely matter. 
The companies listed did not have my permission to access my credit file. 

XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 XX/XX/XXXX
Consumer complaint received 2020-05-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I have applied for a rate and term refinance on my primary home, With Chase. And they denied me, supposedly due to not enough reserves in my account witch was incorrect. then I refiled and the agent said that the computer logarithm accepted my file. yet again underwriting denied me, and asked for an explanation but no one can explain the math of how they arrived at an incorrect debt to income. My tax returns show an income of $ XXXX yet I'm told that the underwriter arrived at {$44000.00}. The math is simple. But I am not being represent wright. 
I am not sure if it's redline or chase just doesn't want to lower my rate because they'll make less on the overall life of the loan. 
But I think that during these unprecedented times with covid_19 chase should do the wright ting for a healthier future of their client. 
How was I eligible for a loan in the first place with a lesser income but now with a higher income a can't even refi. 
thank you.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (ME)

XXXX XXXX XXXX either has not yet reported that we has paid a settlement or the credit burrows have not yet received the information. The management company for them is XXXX XXXX XXXX, I have a cashiers check receipt through XXXX XXXX XXXXXXXX for {$1000.00}. The check # is XXXX the date is XX/XX/21 @ XXXX XXXX I dropped it off to the XXXX that afternoon about XXXX XXXX.
Consumer complaint received 2020-07-08
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)

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Consumer complaint received 2022-07-28
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: SYNCHRONY FINANCIAL (NY)

On XX/XX/2022 at XXXX, an employee at Marshall 's asked if I wanted to sign up for their " rewards program '' saying that I would get a 10 % discount on today 's purchase and 5 % cash back every time I make a purchase at XXXX XXXX XXXX XXXX XXXX XXXX. She did not disclose that I was signing up for a credit card or that a credit check would be disclosed. I only found out about the hard inquiry after receiving an email that they viewed my credit report. I am now filing a dispute as she was intentionally misleading me into applying for their rewards card, when in reality it was a credit card. I have contacted Synchrony Financial and they said that they will be sending me a letter asking for further steps if I wish to continue with the application and to disregard the mail if I wish to cancel the application.
Consumer complaint received 2020-07-08
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. (DE)

Equifax has some bad information on my report and will not allow me to fix the information. They say there is an installment loan, a student loan and a mortgage, all of which I do not have!!!!!
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Citizens bank has refunded me XXXX for the money that was stolen out of my account imagining but there still matter the {$300.00} is supposed to be credited to my account for opening a new account and starting direct deposit I dont know why this wasnt addressed they only addressed one portion of it and thought they would fix it But this is definitely false advertisement and definitely an issue that needs to be handled I made deposits there a bank chose to break the deposits down to two separate ones one for XXXX one for XXXX so it didnt hit the XXXX mark so I wouldnt be eligible for the bonus which is completely ridiculous Ive tried contacting them like I said they did help with one matter but this is still outstanding issue Ive submitted the documentation prior to go along with us
Consumer complaint received 2020-05-04
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$1600.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2020-07-08
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. (IL)

Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 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, gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX  XXXX XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: REGIONS FINANCIAL CORPORATION (TX)

I opened a secured card with Regions with a {$300.00} deposit. The money was held in an account separate from the credit card. Back in XXXX the card was automatically upgraded to an unsecured card. I was notified about this change via letter. The actual change from secured to unsecured occurred in XXXX and when I called I was told that a check was mailed on the XXXX. I called again around XX/XX/XXXX and  was told that the check has 30 days to reach me and it would not be reissued until after that time. I called again on XX/XX/XXXX XXXX  I was told that they have no record of the {$300.00} that was being held. I have statement that show the account with the {$300.00} however that account is no longer available on my profile. I've spoken to a few different people and there has been conflicting information given to me. The last time I spoke with someone I was told a ticket would be opened and I would receive an email by XX/XX/2021. I haven't heard from anyone and the credit card side does not seem to know what I am talking about.
Consumer complaint received 2021-05-22
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. (TX)

I was notified by Experian that a new installment loan was opened in my name with a company named XXXX XXXX XXXX This loan was for {$1000.00} dollars and started reporting on my account on XX/XX/2021. The report says the account was opened XXXX. There has been 6 withdrawals from my XXXX checking account, 3 for {$44.00} and 3 for {$9.00}. I have issued a stop payment today on XX/XX/2021 with XXXX XXXX  XXXX department. I have reached out to Experian to file a dispute but said since the fraudulent person used my correct information, they closed the dispute. I also reached out to XXXX XXXX in order to address this fraudulent activity and they stated that since my information is labeled correctly then they see no issue. I have no login account with XXXX or loan account open so there is no way for me to speak to someone directly about this.
Consumer complaint received 2022-01-05
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. (GA)

It is fact that I, the affiant, have tried to resolve this matter on numerous occasions dating back to XX/XX/XXXX with XXXX XXXX XXXX. They have continued to violate my consumer rights using my consumer credit to harass me for a total of {$5900.00} as well as blackmailing me stating they would harm my reputation if I did not comply which is illegal under 15 USC 1691 ( A ) ( 2 ) ( B ), 15 USC 1692J, 15 USC 1602 ( P ), 15 USC 1692B ( 2 ), 18 USC 873, and 15 USC 1692d. I have also asked them to produce the original instrument in which I have signed for this alleged debt and they could not provide it. I was recently informed that they have closed and sold my account to another debt collector, XXXX XXXX, being in violation of 18 USC 798, 15 USC 1692c, 15 USC 1692D ( 4 ). I have tried to handle this with XXXX XXXX on the dates of XX/XX/XXXX and XX/XX/XXXX. They continue to violate me with their negligent and willful behavior which has not only damaged my reputation with loan balances and late payments, causing not only my credit to be denied, but also made me lose income, caused mental anguish, and XXXX inhibiting my ability to properly take care on my baby
Consumer complaint received 2022-12-12
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: TD BANK US HOLDING COMPANY (GA)

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

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2022-01-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (NY)

I lost my wallet that contained my ID and social security card and because of that someone went into a medical practice and fraudulently posed as myself. I was billed for something that I didnt do. I told Wakefield and Associates that I have insurance so why would I go to a medical practice and be billed for something I did not do and my insurance company not cover it? Identity theft was committed and nobody is doing anything about it. The medical practice XXXX XXXX XXXX XXXX XXXX keeps saying the information is accurate which is not! Please help.
Consumer complaint received 2022-01-05
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. (GA)

It is fact that I, the affiant, have tried to resolve this matter on numerous occasions dating back to XX/XX/XXXX with XXXX XXXX XXXX. They have continued to violate my consumer rights using my consumer credit to harass me for a total of {$5900.00} as well as blackmailing me stating they would harm my reputation if I did not comply which is illegal under 15 USC 1691 ( A ) ( 2 ) ( B ), 15 USC 1692J, 15 USC 1602 ( P ), 15 USC 1692B ( 2 ), 18 USC 873, and 15 USC 1692d. I have also asked them to produce the original instrument in which I have signed for this alleged debt and they could not provide it. I was recently informed that they have closed and sold my account to another debt collector, XXXX XXXX, being in violation of 18 USC 798, 15 USC 1692c, 15 USC 1692D ( 4 ). I have tried to handle this with XXXX XXXX on the dates of XX/XX/XXXX and XX/XX/XXXX. They continue to violate me with their negligent and willful behavior which has not only damaged my reputation with loan balances and late payments, causing not only my credit to be denied, but also made me lose income, caused mental anguish, and XXXX inhibiting my ability to properly take care on my baby
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I was an independent consultant for XXXX XXXX XXXX from XX/XX/XXXX to XXXX XXXX, XXXX. When I started with them they claimed they were hypoallergenic, as well as lead and nickel free. I purchased over {$10000.00} worth of product only to find out it is loaded with toxic substances. Testing came back Monday, XXXX XXXX. Showing not only was the product full of lead and nickel, but toxic levels of cadmium, antimony, and arsenic. 

They misrepresented the products I was buying from them. I called my bank on XX/XX/XXXX and was advised I could go back one ( 1 ) year on my claims. So I disputed all transactions dating back one year from XX/XX/XXXX to XX/XX/XXXX. I offered all the supporting documents to show the product was misrepresented but they said it wasn't necessary. Fast forward to XX/XX/XXXX they deny my claim stating it was past their statute of limitations which in Arkansas is 2 years. All my claims have been denied regarding the charge backs and I want them appealed. 

The merchant [XX/XX/XXXX] is the one in question. These are lab certified results showing the proof. We have repeatedly asked for their lab testing results and have yet to receive a reply. I have also asked for a refund from them and haven't received a reply either. This is an illegal pyramid scheme very similar to XXXX.
Consumer complaint received 2020-10-03
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

I am disputing information on my Pennymac mortgage which is now closed. The late payment dates that the company is reporting is incorrect. They are listing dates that I actually paid. I sent the company over verification of the dates in question but they did not respond. 
Furthermore, during the times that I was late with my payments, I informed the company and provided documentation that I was out of work on medical leave due to an unexpected illness. I have since returned back to work and have paid all my bills on time. 

The account is now closed but the late payments are hindering my score and my financial progression which is crucial during the current COVID-19 pandemic.
Consumer complaint received 2022-01-05
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. (AL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2019-11-07
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: Experian Information Solutions Inc. (IL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2022-08-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: JPMORGAN CHASE & CO. (MO)

My husband and I applied for a loan to pay for emergency replacement of our septic system, without which our home would not be livable. We also requested a large enough loan to take care of some other home repairs and upgrades. The bank we applied to last XXXX was the one that already held our mortgage. We applied in XXXX and -- because of the emergency nature of the septic replacement -- had to hire a contractor before the loan was approved. In late XXXX the bank officer we were working with told us the loan was provisionally approved pending one last item : a home assessment. The assessor said he needed to see county health department approval of the work done on our septic system. Before completing this work, the contractor insisted on being paid a significant percentage of what we owed. For that reason, we drew down our cash reserves and put the large remainder on a credit card, which we planned to pay off as soon as the loan was approved. This left us in a precarious financial situation. However, Chase did not approve the loan upon receipt of the home assessment. Instead their representatives started demanding more and more documentation from us and refused to explain why. Chase representatives also stopped communicating with us in a timely manner and had to be prompted to do so. After I sent a complaint letter to the bank branch manager, I received a phone call from a Chase customer service representative insisting the only way I could follow up on the complaint was over the phone. When I told him I am hard of hearing and asked to communicate via email or text, he insisted that the only way he could communicate with me was verbally, despite the fact that this is a violation of the Americans With Disabilities Act ( and I have already filed a complaint with them ). By XXXX we realized Chase was not going to either approve or deny the loan. For some reason, they were keeping us in limbo. So we found another bank that approved the loan in three weeks. In our opinion, Chase was negotiating with us in bad faith, which endangered our family 's finances.
Consumer complaint received 2019-11-07
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. (IL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.