davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-26
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. (NC)

I was shopping for a mortgage. I approved credit inquiries on : XX/XX/XXXX XXXX XXXX XXXX - Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX - Equifax XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX These are the ONLY credit report pulls that I authorized. 

XXXX lists 6 inquiries from XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - One from XXXX and 5 from XXXX XXXX  lists 3 inquiries from XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX - two of which are Equifax XXXX. 
Equifax has 4 Inquiries from XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Each of the four lenders was only authorized to check my credit one time The reason that there are so many checks is because of their use of the Lender Processing System with XXXX XXXX which requires repeated credit pulls when any of the loan parameters are changed while calculating loan rate and payment scenarios. 

I only authorized 4 credit checks, one time each from each lender.
Consumer complaint received 2024-08-08
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: Experian Information Solutions Inc. (PA)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX  is continuously adding falsifying information to my report without validation. For example on case with CFPB  XXXX , a request to have fraud alert removed from my credit report because I am having trouble with things still being added without consent that any company contacted me.  XXXX  stated that they will remove the alert. Well on  XXXX   XXXX  I received an alert from a credit monitoring agency that something was added to my report. After contacting Transunion to ask what was added  XXXX  stated that they received an update from   XXXX   for an extended fraud alert was placed on my report. I also received in the mail from  XXXX  a letter that will be attached that I requested this information. This is false. I never requested the information to be added. I have not asked   XXXX   to represent me in no way shape or form. Your case above shows evidence that a request was placed to stop the fraud alert and they acknowledge. This goes to show this company is not trustworthy. Also I disputed several different items on my report and according the file that was sent to me by   XXXX    that the investigation was completed and the notes will show either " verified '', " deleted '' or " updated ''. Everything in the file #  XXXX  states consumer disputes or consumer disputes reinvestigation. Nothing showing anything was  VALIDATED not Verified but VALIDATED .  XXXX  is not trustworthy and adds items to consumers reports without consent or validation. I asked that the items in my credit report circled and notated be removed immediately from report and that  XXXX  contact the other agencies to have them update my information as well. Also please note that in  XXXX   XXXX  was sued by  XXXX   XXXX  when she was denied for credit and saw that information on her credit report was not valid. According to her case which is similar to mine in  XXXX  she disputed with  XXXX  about inaccuracies on her report several times including the time when they told her that her file was mixed up with someone else but she had to dispute the information. Currently this year  XXXX  and Transunion are currently being sued for misleading information to consumers. Again this is an example of this companies trustworthiness.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I have recently filed multiple investigation request letters with the credit bureaus, but unfortunately, they failed to provide me with the requested information. This is a clear violation of the Fair Credit Reporting Act ( FCRA ). Should further evidence be needed, I am able to provide copies of the aforementioned documents upon request. Additionally, I have included a photocopy of my identification and recent utility bill within the investigation request letters as supporting documentation.
Consumer complaint received 2017-08-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (FL)

Netspend ( XXXX XXXX XXXX XXXX XXXX ) sent me an UNSOLICITED prepaid debit card. Since I have had problems with someone attempting identity theft before this greatly concerned me. 

When I called the company they requested either the full card number or my social security number ( which I would NEVER give over the phone ). I was afraid to give them the full card number because I was afraid they would activate it. 

In very small print ( 5point or less ) they state that this was not requested by anyone but was sent because " you indicated interest in receiving offers similar to this one ''. 

Sending unsolicited credit cards is against the law. Apparently, since debit cards and prepaid debit cards were not available when the law was passed this allows companies to skirt the law. I believe this is unethical and irresponsible in the age of identity theft!
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

XXXX is continuously adding falsifying information to my report without validation. For example on case with CFPB XXXX, a request to have fraud alert removed from my credit report because I am having trouble with things still being added without consent that any company contacted me. XXXX stated that they will remove the alert. Well on XXXX XXXX I received an alert from a credit monitoring agency that something was added to my report. After contacting XXXX to ask what was added XXXX stated that they received an update from XXXX for an extended fraud alert was placed on my report. I also received in the mail from XXXX a letter that will be attached that I requested this information. This is false. I never requested the information to be added. I have not asked XXXX to represent me in no way shape or form. Your case above shows evidence that a request was placed to stop the fraud alert and they acknowledge. This goes to show this company is not trustworthy. Also I disputed several different items on my report and according the file that was sent to me by XXXX that the investigation was completed and the notes will show either " verified '', " deleted '' or " updated ''. Everything in the file # XXXX states consumer disputes or consumer disputes reinvestigation. Nothing showing anything was VALIDATED not Verified but VALIDATED. XXXX is not trustworthy and adds items to consumers reports without consent or validation. I asked that the items in my credit report circled and notated be removed immediately from report and that XXXX  contact the other agencies to have them update my information as well. Also please note that in XXXX XXXX was sued by XXXX XXXX when she was denied for credit and saw that information on her credit report was not valid. According to her case which is similar to mine in XXXX she disputed with XXXX about inaccuracies on her report several times including the time when they told her that her file was mixed up with someone else but she had to dispute the information. Currently this year XXXX and XXXX are currently being sued for misleading information to consumers. Again this is an example of this companies trustworthiness.
Consumer complaint received 2017-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

Ad Astra Recovery is reporting an amount of {$1200.00} on all three CB 's since XXXX 2014. I do not and have never had a contract with this collection agency, neither written or verbal. I have called and written them a number of times with no validated response. I was told they collect on behalf of XXXX. In 2014 I was XXXX XXXX and I have never had a loan with XXXX either. We were forbidden to do so. I informed them of that as well and stressed to them the strain that this account is putting on my credit and my life.
Consumer complaint received 2017-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I contact the company XXXX XXXX XXXX XXXX last year to let them know that the correct information was not shown paid and settle and they still have not put the right information on the credit report Experian
Consumer complaint received 2017-08-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (MO)

I financed a vehicle at XXXX XXXX in XXXXXXXX XXXX, Mo. Three days later I was contacted by XXXX XXXX that the financing did n't go through, so upon returning the vehical,, I was told by XXXX XXXX that my trade in was sold, and they would work to get me financed, after continued visits ( 20 days ) to XXXX XXXX, the temporary tags expired, I surrendered the vehical and was told that I was just out of a vehical, I contacted the company ( santander ), to see if I could get my trade in vehical back, was the transaction was final, that they receive the payment off, they sent me a paid in full letter, and reported the vehical to credit agencies as paid in full, I didnt receive any correspondence from either companies, until six months later, by phone stating that they ( santander ) were going to reinstate me to the vehical, and that I was six months behind, in payments, the original transaction was on XXXX XXXX, XXXX, the trade in vehicle was sold on XXXX the XXXX, XXXX, in XXXX of this year I was giving {$1500.00}, back in check form from down payment, and another {$1500.00}, in XXXX, which i have n't cashed, at this time, I purchased another vehical on XXXX XXXX. I told the companies that I have financed another vehicle and can not afford two car notes. I photographed the ( my ) traded in vehicle on XXXX the XXXX, on XXXX XXXX car lot, ( for sale ), and I have a copy of the advertising sale, of the traded in vehical. Doing the twelve months I owned the traded in vehicle I was never late with payments, now after this situation my credit score has dropped over 100, points, and I have been denied credit.
Consumer complaint received 2017-08-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

OnXX/XX/XXXX I received an email alert from Wells Fargo that my checking account balance had fallen below XXXX  and was now XXXX, previous balance had been XXXX. This represented a XXXX dollar transaction! I immediately went online and found that a withdrawal of XXXX was posted to my account as a " XXXX XXXX XXXX ''. I do not have any bad debts with Wells Fargo and there is no indication as to where this money went - or to whom.

I immediately called Wells to report the transaction as fraudulent and was told to call back later. I called again and was told Wells would investigate and follow up with me in a couple of days.

I did not authorize this transaction and have no way to tell where this money went. Given the past well-documented problems Wells has had in the recent past with this sort of problem, I am not confidant I will ever see this money again. 

Please contact Wells Fargo Fraud division and help me get satisfaction.
Consumer complaint received 2016-12-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CREDICO. INC (GA)

I received a letter from Credit Collection Bureau ( a debt collection company ) in XXXX of 2016 about a alleged debt that I allegedly owe. 

On XXXX XXXX, 2016 I sent Credit Collection Bureau a certified letter requesting validation. The tracking number was : XXXX and it was via the United States Postal Service. They received my Debt Validation letter on XXXX XXXX, 2016. 

After receiving my letter, they have failed to send me validation as requested by myself per the Fair Debt Collection Practices Act ( FDCPA ), yet they have continued to contact me via phone about this alleged debt. According to the FDCPA, any contact or collection efforts absent validation is strictly prohibited and punishable for a {$1000.00} fine " per occurrence ''. 

I 've been contacted at least twice recently ... On XXXX XXXX, 2016 at XXXX I was contacted by XXXX XXXX with Credit Collection Bureau XXXX The call originated from the phone number of XXXX. I was also contacted again on XXXX XXXX, 2016 at XXXX, again by XXXX XXXX from the same phone number mentioned above making it two occurrences that they have practiced prohibited collection efforts.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (TX)

Equifax was hacked and my information has been leaked including the answers to my security questions. They have offered 1 year of protection for free but that does not guarantee my safety as all it takes is the criminals to wait one year to use my information to open accounts in my name. With my security questions they could also gain access to my bank accounts as well. This is very concerning and 1 year of protection will not protect me for long and will not protect me from all possible damage or heart ache this will surely cause.
Consumer complaint received 2016-05-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

i lost my home as of XX/XX/XXXX.i have hired lawyers to deal with this problem and the problem is that i was sold a predatory loan it had a 20 % pre payment penelty with it XX/XX/XXXX for 3 years when XX/XX/XXXX came i was so under water with the home and my payments went from XXXX a month to XXXX a month and the bank would not work with me.all the lawyers i had hired had failed in there job and cost me about XXXX..if the banks dident want to work with me thay just sold me to another bank and it started all over again with no outcome..there is much more to this than what i can type..the bank [ XXXX XXXX XXXX ] fordged my documents to try to forclose on me [ robo signing ] .i have proof of this from one of the lawyers i hired.and last. the bank offerd me {$4700.00} to be out of the house by XX/XX/XXXX threw a realator and she keep my money for not taking a frezer off the property ... property address is XXXX XXXX XXXX XXXX ca.XXXX
Consumer complaint received 2017-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IL)

I have to dispute one basic charge with Chase Card Services but because there are some extra transactions ( both charges/rebills and refunds/credits ) that may interfere with their ability to make simple judgements, they are still unable to figure it out after almost four months. 

Basically the dispute is about a prepaid reload card purchase at XXXX. On XX/XX/XXXX I made a purchase totaling {$58.00}, of which {$53.00} was for a prepaid card that was not working. On XX/XX/XXXX I went to XXXX, they charged me another {$53.00} for this same card and the card was still not working. Also on XX/XX/XXXX, XXXX provided me one refund of {$53.00} on-site due to the {$58.00} transaction that happened on XX/XX/XXXX, but never provided me any refund for the {$53.00} charge that happened onXX/XX/XXXX. As a result, I should have got another refund of {$53.00}. 

On XX/XX/XXXX I, for the second time, disputed the {$53.00} ( XX/XX/XXXX ) charge with Chase, it resolved with me retaining a full refund for the {$53.00} charge and therefore Chase granted me a credit of {$53.00}. However as of XX/XX/XXXX, Chase later removed this credit because they mistakenly think the merchant had already provided me this refund as they see a {$53.00} credit on XX/XX/XXXX. 

In the end, I should not be responsible to pay the {$53.00} portion of the {$58.00} happened on XX/XX/XXXX ( merchant refunded this one ), and I also should not be responsible to pay the entire {$53.00} charge happened on XX/XX/XXXX ( Chase is supposed to grant me a credit for this one ). The removal of the credit onXX/XX/XXXX essentially makes me pay an extra {$53.00} to Chase. 

Full version of this incident is attached in document.
Consumer complaint received 2017-01-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (NY)

I had a loan from VW Credit for a XXXX ( involved in the diesel cheating scandal ). They repurchased the car from me on XX/XX/2016 - and repaid my loan in full that day. ( Actually, the repayment was MORE than full, as it did not take into account the monthly payment I had made on XX/XX/XXXX ). On XX/XX/XXXX, XXXX auto-debited my checking account for another monthly payment - despite my loan having been paid in full the prior month. 

This has caused a cash-flow problem, as my NEW car is also set to auto-debit tomorrow - and I do n't have sufficient funds in the account to make the payment, now that XXXX has inappropriately debited my account. 

I 'm suspicious of why this debit took place - despite the loan being paid in full - on the heels of XXXX 's involvement in systematic fraud in their emissions cheating.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (MN)

I was affected by the recent Equifax security breach and Equifax believes that my information including social security number, driver 's license and address may have been compromised. Though I understand Equifax was a victim of the hack, I entrusted them to keep my personal information safe and secure.
Consumer complaint received 2016-07-31
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (TX)

Speedy cash sold my file to XXXX XXXX XXXX XXXX. This was paid and has been disputed with XXXX XXXX several times. They reported on all XXXX credit bureaus, received an attorney letter plus has been disputed with all XXXX credit bureaus since XXXX 2011 and they refuse to remove it. Statute of Limitations in Texas is 4 years. They are a debt buyer illegally reporting
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Equifax was hacked and lost millions of American citizens information. I was a victim of this and as such now have to pay not only equifax, but the other two credit reporting agencies as well to freeze my account to ensure no fraud takes place. I should not have to pay to correct a mistake that a large corporation has made. The date I was notified ( through the internet, not from the company ) was X/X/2017. Not only did the company not inform me I had been a victim, I had to go to a website they created to check if I was affected. The website also tries to trick customers into waiving their rights to sue in a class action lawsuit when they are trying to find out if they are a victim or not and is a shady business practice.
Consumer complaint received 2017-05-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

I have tried submitting various complaints to  XXXX ,  XXXX , and Experian with no clear results of the dispute stated other than they are right and you are wrong. I submitted  XXXX  dispute to  XXXX  on  XXXX   XXXX ,2017 and on  XXXX   XXXX ,  2017  I was notified the " investigation '' was completed. They are required under FCRA regs to complete a thorough investigation on each account. I do not believe that this has been the case for my accounts. My wife and I are suffering daily because of false reports that damage our score from access credit inquires required to get a reliable vehicle, insurance premiums, and the possibility of buying a home.