davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-14
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. (WI)

On XX/XX/XXXX I submitted separate, multiple requests via letter to Equifax Credit Bureau as well as each Creditor, requesting them to investigate several unauthorized hard credit inquiries that they have listed on my credit profile. 

I requested that they either provide me with physical documentation validating these inquiries, or, that they remove them immediately as they are damaging to my credit profile. 

The inquiries that I requested be investigated were as follows : XXXX ( XX/XX/XXXX ) -XXXX/XXXX ( XX/XX/XXXX ) -XXXX XXXX   XXXX ( XX/XX/XXXX ) I can not stress enough, not one of these hard credit inquiries were authorized by me. At no time did I give  permission to any of the above institutions permission to access my credit file. 

As noted above, on XX/XX/XXXX I requested Equifax to investigate. On XX/XX/XXXX, I received an automated response via letter not informing me of any investigation process, but to inform me of how inquiries may have been added to my credit file. I did not ask them how inquiries may end up on my file, I asked them to investigate my unauthorized hard inquiries. 

Equifax did not investigate anything, they failed to move forward any due process in this matter. 

One Creditor also wrote me back in the mean time stating that they ( the creditor XXXX XXXX ) won't even investigate the inquiry and asked me to contact the Bureaus. So if XXXX XXXX wont investigate, obviously they can not verify the inquiry. With that being said, Equifax should remove it. 

Equifax is not doing what they are supposed to do. I am attaching the automated response they sent to me via US Mail, I am also attaching a letter that XXXX XXXX wrote to me stating they will not investigate anything.
Consumer complaint received 2023-07-07
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)

i have been a victim of identity theft in the past. My information has been involved in a recent data Breach. These new inquiries were not authorized by me and i demand the removal of these accounts. I am alleging that a person or company without authorization from unauthorized use of my social security number and card used my personal info to apply for goods, services or money. I Have no knowledge of these inquires and need them removed from my account immediately because it is hurting my chances of receiving a mortgage.. Inquires that were not authorized are -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

{$150.00} was drafted out of my account which I didn't authorize {$18.00} XXXX XXXX XXXX XXXX   3x {$26.00} XXXX XXXX XXXX 3x {$33.00} 1x I put a stop payment on XXXX XXXX XXXX XXXX on XX/XX/XXXX and the expiration date was XX/XX/XXXX. 

chase bank did not honor the stop payment the amount went from $ XXXX {$50.00} I just put another stop payment on XX/XX/XXXX til XX/XX/XXXX for XXXX XXXX XXXX for the amount $ XXXX {$200.00} and chase bank did not honor the stop payment I did call XXXX XXXX XXXX and told them i wanted to cancel the wellness program as well as the insurance policy but they ended up taking the money out of my account any way either way they over draw my account for {$150.00} and something needs to be done I contacted the FDIC and told them about it but there never contacted the bank or me in regards to this matter and it needs to be addressed.
Consumer complaint received 2018-11-13
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. (NY)

I need to file a complaint against XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. The reporting on what was once a combined commercial/residential wrap around mortgage is now just attached to my personal residence after I sold off the commercial property attached to the collateralized loan. Shortly after I sold the commercial portion, I was hit with an acceleration of my mortgage after XXXX XXXX acquired the mortgage from a bank merger. This was extremely unfair at the time due to the personal hardship I was going through with the passing of my wife, who was also an XXXX and a partner in my XXXX XXXX. Then XXXX XXXX started what was proven to be an illegal foreclosure action. Since the commercial aspects of the mortgage was eliminated with the sale of the larger portioned commercial percentage, my rights under the Fair Debt Collection Practices was protected under the XX/XX/2018 addendum of that federal law, My rights were violated by XXXX XXXX as I should have been given the initial right to modify the terms of the loan and take out the balloon payment, normally associated with large scale commercial transactions. After the foreclosure was filed I filed a counterclaim. XXXX XXXX XXXX was trying to ingratiate themselves foreclosing on a {$400000.00} home with only a {$140000.00} balance. I discovered that my rights were being violated under federal guidelines with both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Eventually, XXXX XXXX XXXX realized their mistake and gave me a restructured mortgage with all past payments, interest, penalties and legal fees waived, and gave to me a six-year mortgage completely interest free as long as I dropped my lawsuit against them with the Supreme Court state of New York. In essence, the current reporting is a complete falsehood, as it was XXXX XXXX XXXX that brought about the illegal foreclosure action. I should have a new payment history starting from the month of the restructured mortgage. This abusive reporting on all credit bureaus is a direct violation XXXX XXXX XXXX has with their subscriber agreement with all three national credit bureaus. The negative reporting must be deleted and only the payment history that started with the interest free mortgage should be posted. Accordingly, XXXX XXXX XXXX has only one option, to rectify this immediately and live up to their subscriber agreement with all three credit bureaus.
Consumer complaint received 2023-07-10
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. (FL)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX acct # - XXXX XXXX XXXX XXXX acct # - XXXX XXXX XXXX XXXX acct XXXX - XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX  acct # - XXXX XXXX XXXX  acct # - XXXX XXXXXXXX XXXX XXXX XXXX XXXX Acct- XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Acct.- XXXX XXXX XXXX XXXX XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-07-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (KY)

I was a victim who had an credit account opened in my name, the account went to collections, I wanted it off of my report so i made a few payments till i learned i was allowed to dispute it when i was never told i could. Ive disputed to account many of times & most recently was told i cant dispute it unless i file for fraud. The account case worker i have has made me seem very XXXX
Consumer complaint received 2023-07-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

I closed a HELOC with PNC late last year. Prior to closing I had both a recorded phone call and an email from her describing how my payment would be broken up. I mentioned to her in my email and call that before closing I wanted to know how much of my payment would go toward principal and how much would be interest. I have in writing ( and she told me on the phone ) that my total payment ( knowing how much I was transferring and using ) would be {$480.00} and that of that {$240.00} goes to principal and the rest goes towards interest. I signed to receive funds with this understanding. The first month- this was accurately drawn but the following months from XXXX through current they have been only putting less than {$70.00} of my payment towards my principal. I tried emailing XXXX XXXX ( my loan closer ) and she apparently was moved to a different department, I then tried to speak with her boss ( XXXX XXXX who said he couldn't help me ). I went into a branch and spoke with XXXX about it and she said that I needed to transfer {$1300.00} from checking to HELOC in order to fix it which I did and that didn't fix it. When I went back to see her- that branch had changed to ATM only and she didn't work there anymore. I then spoke with XXXX XXXX who tried to help but couldn't get an answer about what had happened and now she too has stopped responding to me. I want my payments to be split the way I was told IN WRITING ( have copies ) they would be. I would not have signed to receive this HELOC if I had known my payments would be split differently. If this isn't illegal it is certainly unethical and absolutely PREDATORY. At this point- I should have over {$2000.00} as part of my principal put back into HELOC account based on how I was told my payments would be split. I would like that money back and also I would like my payments to be fixed moving forward.
Consumer complaint received 2018-11-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC (CA)

We had a car that was financed with XXXX  XXXX. We had an agreement to close loan and release the title for XXXX. They received the money and then got shut down by the government. They sold the loan ( which was closed in XX/XX/2018 XXXX to westlake protfolio management in XXXX. I received a notice that my loan payments will be due for XXXX and to send to them as they are the new loan servicer! 

I called and called and sent in the loan release letter from Honor finance stating that I had paid off the loan. They forward to legal and said please allow 7 to 10 biz days to clear. That was in XXXX! It is now mid XXXX. My loan is in default showing repo status ( ont heir file and credit report ). I have called on about 30 occasions and they blow me off. Call center tells me that legal is looking at it. 

ONE person gave me the number to a guy in the legal dept. He talked to me 2x and now just ignores my calls and does not respond to email! 

I WANT THIS CLEARED UP. The car is gone ( insurance has it ) the loan is showing in default and it is affecting my ability to get another loan and my score!! I couldnt close on my home loan since I was in REPO status!! This is beyond rediculous and frustrating! 

Please help
Consumer complaint received 2023-07-07
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. (FL)

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. 
Account name : XXXX XXXXXXXX, has violated my rights. 
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 2017-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have state tax liens that have been paid and show on my credit reports as " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help.
Consumer complaint received 2018-11-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC. (NV)

Robinhood attempted to debit {$1000.00} from my banking account - I did not deposit the money in time which resulted in it being reversed- - the {$1000.00} was debited to my account on robinhood - I traded the money - they then took back the {$1000.00} from my portfolio balance - my account is now disabled although having a positive protfolio balance- I can not purchase, deposit or withdrawal money - I have contacted them and received canned rsponses
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX ( XXXX XXXX XXXX  ) REFERENCE NUMBER XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file does not belong to me. This account was fraudulently opened through this company in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2018-11-13
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (VA)

Dear Consumer Finance Leadership, Since XX/XX/XXXX I have been requesting SCRA ( Servicemembers Civil Relief Act ) benefits from WELLS FARGO Bank only to be continuously denied eligibility to such request based on their current policy. As an XXXX XXXX XXXX XXXX since XXXX I believe I am indeed eligible to receive such benefits ( 0 % to 4 % apr, overdraft fees waived, etc ) and other financial institutions have indeed granted me such benefits disregarding the timeline of when these accounts were opened ( before or after military enlistment ). Such institutions include XXXX Bank, XXXX and XXXX XXXX. My accounts with WELLS FARGO pre-date my enlistment into the XXXX XXXX. WELLS FARGO acquired XXXX from XXXX XXXX XXXX  which bought XXXX XXXX XXXX. I have written several letters and sent all documentation required and can not understand why WELLS FARGO insists that I am not eligible to a lower APR. Even under the current MLA ( Military Lending Act ) I should be eligible to obtain a lower percentage rate. Anything you could do to help would be a tremedous benefit to my current financial situation. Thank you.
Consumer complaint received 2023-07-07
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REFERENCE NUMBER XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file does not belong to me. This account was fraudulently opened through this company in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2018-11-14
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: CITIBANK, N.A. (TX)

I applied for a citi Bank credit card, on XX/XX/2018. It was approved on XX/XX/2018 which i confirmed over the phone and received an email advising my application was approved. On XX/XX/2018 I still have not received any mail from Citi Bank. I am unable to activate a card because the card has not come through the mail. I have made numerous calls to Citi bank and verified my address multiple times with different supervisors. I have already received an email showing my account balance of XXXX and showing how to make payments. The XXXX credit limit has already impacted my credit score. When I called for the 4th time today on XX/XX/2018 I was informed that they had the wrong address even though I confirmed my address 3 times. I have talked to more supervisors then i can remember at this point and have been told multiple stories about how the card was sent with an added apt number or the wrong city, or not at all. No one in the company as shown any accountability. I am now waiting for the 4th time a 7-10 days before I can start the process over if not received. As a consumer I find in unacceptable that they are reporting my credit limit to my credit report but I have no way to actually use the credit I was approved for.
Consumer complaint received 2018-03-09
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. (TX)

XX/XX/XXXX - I sent notification of dispute by mail to XXXX XXXX and did not receive a response. I will include a copy of the signed receipt of the certified letter. 
XX/XX/XXXX - I sent disputes directly to all three credit bureaus regarding the item. Equifax, XXXX and XXXX. 
XX/XX/XXXX - I received fraudulent documents from XXXX XXXX with a signature that does not belong to me and XXXX XXXX transferred the debit to a collection agency - XXXX XXXX XXXX, who is now reporting the item. 
XX/XX/XXXX - I sent a dispute by mail to XXXX XXXX XXXX regarding the fraudulent item.
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have previously sent letters to Transunion asking that all hard inquiries be deleted because they were done without my express consent as noted in FCRA 15 USC 1681 ( b ). I have a security freeze on my account, and even at that there are well over 25 plus hard inquiries where Transunion provided my credit file to the same agency over several months In XXXXXXXX XXXX XXXX I experienced an assault, home invasion, and the theft of my purse with all of my identification. I have not felt it necessary to disclose this information heretofore as it is very personal and traumatic. To further said trauma, Transunions ' unauthorized disclosure of my credit file and refusal to delete said hard inquiries just add to the damages, driving my credit score so low that I can not rent an apartment or buy a car without exorbitant deposits and interest rates. I am attaching my formal Notice of Intent to Sue to this complaint that was mailed to Transunion today XXXX XXXX XXXX XXXXXXXX.