davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-24
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. (WA)

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am unable to receive my free weekly credit report from Transunion. I have tried several times, and always receive the same message : 'Unable to complete your request online, '' and am directed to fill out a form to request my report in writing. Unfortunately, the request form states that I can only request a credit report once a year, and I want to be able to access my credit report weekly ( if needed ), which XXXX offers on its site ( " Free weekly online credit reports are available from XXXX, XXXX and TransUnion. '' ) I would like explanation from Transunion about why I can't get an online credit report and more importantly, how I can rectify the situation so that I can get an online credit report and take advantage of weekly access to this information. 

Only having access to my credit reports annually is not much use, but this is my only recourse given my current circumstances. Thank you for any assistance.
Consumer complaint received 2021-11-11
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: EQUIFAX, INC. (MN)

I have sent over several disputes to XXXX, XXXX, and Equifax in regard to XXXX XXXX XXXX for the last 2 years. 

I email XXXX  a letter on XX/XX/XXXX asking for multiple things and if not received that they were in violation of the FDCPA. Over the course of 30+ days, their customer service did not read the letter contesting the accounts in question, instead continued to pass the buck. I wrote another letter to them dated XX/XX/XXXX, and I never received any correspondence from them in regard to the letter, and did not fulfill the required information as requested in the letter. 

This debt is also too old to be collected on as it states it is from XXXX, and MN has a 6 year statute of limitations on debt reporting. 

Insofar it has not been removed from my credit report despite numerous requests to credit reporting agencies. I want it removed within 15 days.
Consumer complaint received 2022-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WV)

I contacted Mr. Cooper on XX/XX/XXXX about removing PMI from my mortgage loan. They told me that this was absolutely possible and they opened up an application to do so. I was told that an appraiser would contact me within 2-3 weeks and then there would b a few weeks processing time after that. 

An appraiser never so I called Mr. Cooper back in mid XX/XX/2022 and they said they were backed up and an appraiser would call soon. I called back in XXXX and I was told that our PMI order was cancelled due to not being able to get ahold of us. I asked the phone number that was called and they admitted the agent at Mr. Cooper who took my original request inverted two digits of my phone number and it was their fault. I asked why someone didn't double check my account or call my husband or email us before cancelling and there was no answer or explanation given. 

Mr. Cooper then re-opened the PMI removal and I was told I was high priority and would receive a call from an appraiser within 1 week and they would speed the process up due to their error. A week and a half later I received a letter in my Mr. Cooper account that our PMI removal request was cancelled again ( a second time! ) and to call them. When I called they said they could not get ahold of me so it was cancelled. Again, they could not tell me when I was called or what phone number they called. My husband XXXX and I checked our call logs and no one tried to call us. I spoke to several managers and PMI dept staff at Mr. Cooper and there was no explanation they could give on why my PMI removal request was cancelled a second time. 

They then re-opened my PMI removal request for a third time in what was almost XXXX ( I originally called in XXXX ). For the first time in this entire process, yesterday ( XXXX ) I received an email with my appraiser 's information. I finally have an appraisal scheduled. My appraiser said that this was the first time he was ever given my information so he was not the one who said he could not get ahold of me. Mr. Cooper really dropped the ball on this one and it should certainly not take two and a half months from a PMI removal request to receive information to schedule an appraisal.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

Discrimination, Citi bank claims it is illegal to deny application in whole or in part due to public assistance and then says right after that application was denied in whole or in part due to public assistance. Out right wrong. Stole a XXXX deposit I made, they claim their system crashed and all camera and evidence was whipped along with the money. They are now claiming I never deposited the money but withdrew it..
Consumer complaint received 2024-01-30
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. (PA)

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 2023-11-20
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp. (MS)

I have did a complaint about this matter in XXXX of this year but another company has started sending me emails about a debt that have no knowledge of. I DO NOT OWE THIS COMPANY ANYTHING. XXXX XXXX XXXX XXXX is the company that keeps sending me emails saying I owe them {$1100.00} and I dont owe them anything. The company thats sending me emails now is TrueAccord. I have talked to XXXX XXXX XXXX about this issue and they told me to disregard this matter. So therefore, Im doing another complaint because this needs to be resolved. Thank you again.
Consumer complaint received 2023-11-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I have two pre-paid American Express gift card/credit cards. One for {$50.00} and one for {$100.00}. Both are active and show the correct balance when checking. Neither of the cards work at any online retailer I have tried. I have tried purchases totaling LESS than the dollar amount on the card and they WILL NOT WORK anywhere. I have tried over 10 online retailers. The most activity I can ever see is a pre-authorization, however, the card never approves beyond that.
Consumer complaint received 2022-10-03
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. (CA)

My identity was stolen by criminals unknown to me and an auto loan was opened with XXXX  XXXX XXXX in XX/XX/2022 without my knowledge. I did not anticipate 7 months of certified letters back and forth to still have this issue still unresolved by XXXX  XXXX XXXX. 

Starting in XXXX, I have opened XXXX cases with XXXX  XXXX XXXX for this XXXX fraudulent loan and they have all been denied, including the latest one which was denied on XX/XX/XXXX. I've asked XXXX to get in touch with me to request what they specifically need in order to successfully resolve this fraud case, but they only mail generic letters denying my fraud claim. This has happened XXXX  times. 

I've sent all of the documentation they've requested, including copies of identifying information, a copy of the police report, a copy of documentation proving my place of residence ( which is different from that on the fraudulent loan ), a copy of my FTC Identity Theft Affidavit, as well as copies of letters from 3 other banks approving my fraud claims. Yet XXXX  continues to deny my claim. Their denial letter contains a phone number that routes to agents that are not trained in fraud. There is no way straightforward way to get in touch with a human to help and they have not engaged over email or phone when I sent a letter requesting them to get in touch with me. 

Every other bank has been helpful in resolving this very stressful situation, yet XXXX  XXXX XXXX has made this process exceptionally long and difficult. In the meantime, my credit score continues to decline and I have to live with the consequences of that with no clear path toward resolution.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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.

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 seven 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 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (FL)

On XX/XX/2021 I deposited XXXX in my account using PNC ATM booth. When I got the printed receipts which I saw my balance is lower than my expectation. At once I log in my account in saw many unauthorized charge in my account ; in the name of XXXX XXXX and international fees. I called the Bank and complained and requested to stop any such payments. I have XXXX credit card bills. I deposited money to pay my credit card bill. On XX/XX/2021 I paid XXXX for credit card bill. PNC bank paid my bill. Next day I saw PNC bank make overdraft {$8900.00} and paid again those unauthorized payments though I requested to stop such payment. When I complained about overdraft PNC Bank reversed my credit card bill payment and adjusted overdraft. I tried to talk with with PNC Manager level but no one is available. I met with local branch Manager who also filled a complain. I got the letter from the PNC bank explained that all the charges are correct though I do not have any idea about those charges. I believe PNC bank failed to protect the customer interest. I am a small depositor. How PNC made overdraft in my account? I am very very frustrated with PNC and do not know what to do.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2022, 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 I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or 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 2022-10-05
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: Experian Information Solutions Inc. (OR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2024-01-30
Product: Credit reporting 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)

So I requested to have my utliization stop being reported and requested to opt out and withdraw any and all authorization given to to report to a third party per law 16CFR313 the privacy of consumer financial information Rule under the Gramm-Leach-Bliley Act they refused and said I CAN NOT opt out and they will still report to the credit bureaus.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2022, 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 I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-05
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: EQUIFAX, INC. (OR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2022-10-05
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: SANTANDER HOLDINGS USA, INC. (TX)

I disputed two late payments for my car note from Chrysler Capital for months XX/XX/XXXX and XX/XX/XXXX on my credit report from XXXX. The finance company offered Covid relief during this time and advised they would not report negative remarks during the pandemic. I attempted to dispute again and they will not allow it if I don't have documentation. I feel the dates are self explanatory, I don't have any documentation, I spoke to a rep over the phone.R
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

I reserved XXXX XXXX for one night on XXXX on XX/XX/XXXX. There should be no charges since I only used my chance debit card to hold the one night stay. But the hotel charged me one night fee on the XXXX. Then I went to this hotel on XXXX and checked in using another international credit card to pay for the fee, not the chase debit card. By the time, I didnt realized that I was charged on the XXXX. I only book one night stay, but I was charged twice. After I checked out from the hotel, theres another XXXX dollars transaction on my chase debit card. Then I called the hotel asking about it, there was no damage to the room so I shouldnt be paying about XXXX dollar more. Then I contact the back about this unrecognized transaction, they first give a temporary credit to me, but on XX/XX/XXXX, chase bank reversed my transaction, the bank again charged my XXXX dollars which I should not be charging. I did use my debit card at XXXX XXXX and use it to reserve the room, but the hotel charge me a lot more than that. And chase also refused my fraud claim.
Consumer complaint received 2022-10-05
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. (MI)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Bank ) XX/XX/XXXX XXXX Inquiry ( Bank ) XX/XX/XXXX XXXX Inquiry ( Finance ) XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions.
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (CA)

I am a paying member of the XXXX XXXX  app. In this app, there is a XXXX section where credit providers pay XXXX to advertise their credit cards. 
On XX/XX/2022 I logged into the XXXX app and was presented with a pre-approved Discover credit card option link. The link stated I was pre-approved for a Discover Card, and by clicking it I would be taken to an application page to accept the pre-approved offer. The link also said there would be no effect to my credit score by clicking the link. 
I clicked the link, and was told that they needed additional time to process my application even though there was a claim of being pre-approved. 
Upon exiting the Discover application, I was notified by the XXXX system that my credit report was obtained by Discover even though their link stated there would be no effect on my credit score. I was informed it was a hard credit pull that decreased my XXXX score by 10 points.

Approximately 10 days later, I received a denial notice from Discover by XXXX mail. So much for being pre-approved.