davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-11
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (FL)

on XXXX XXXX, 2015 i received financing for purchase of a used vehicle yet to be determined. XXXX approved the loan, and told me to go find a car and i was all set. my first trip was to XXXX fl. and i told my salesman i did n't need financing, that i already had it and i did n't want any credit inquiries on my account. he assured me he would n't do that.. I left the dealer thinking there might be XXXX car i liked enough to buy, but decided to do a little comparative shopping.I ended up finding a vehicle online in XXXX fl. I went through the same routine, telling her I had financing and she said she would only do soft inquiries so it would n't show up on my credit report. I now have at least XXXX new hard inquiries on my reports to equifax XXXX, I am not sure about XXXX yet, and I would like them removed.
Consumer complaint received 2015-06-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (CA)

I have a collection on my credit report from XXXX XXXX XXXX. I 've never had XXXX. I had this problem with another collection agency and it was taken off. I do n't know if they passed this on to another collection agency or not, because the amount is the same. I 've spoken with this company several times and they could n't give me any info on the debt. The XXXX time I spoke with them back in XXXX they said they would remove it and they have n't
Consumer complaint received 2015-12-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (HI)

I borrowed money from XXXX to purchase a condominium. The loan was transferred to Stearns mortgage. The Stearns loan number is XXXX. 
I recently paid off the loan, and received a recorded copy of the release of mortgage. Despite repeated requests for the return of the note, I was provided only a copy - not marked paid in full. 
Stearns has refused to respond to my request for the note, or to advise me whether they have transferred, sold, or otherwise alienated the note. If they have, they should nothave accepted the payoff. I have no way of knowing if the note is presently or will be in the future in the hands of some third party. I would like your help in this matter.
Consumer complaint received 2015-07-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (FL)

XXXXI applied for a refinance mortgage with Quicken Loans XX/XX/2015.I was told that there could be a charge of {$500.00} dollars when the loan was approved at a later date. I faxed them the information they requested on three different times, each time XXXX plus pages. Each time I would receive a call it would be from a different person in a different part of the country. within days of applying they took {$500.00} dollars from my XXXX XXXX credit card. When I called to find out what the charge was for, I was told it was for a credit report and an appraisal which did not happen at that time. I asked why was AN Appraisal being done since the add on the TV says they hardly ever need one. then I started getting calls from different people asking for more information, some that I had already sent. Then I was told they had everything and it would be closing within days. A day or so later I got a phone call from yet another person asking for more information. At that point I made XXXX phone calls to XXXX different people telling them to Pull the Loan that I was not going to try any longer to get the loan. I also sent a Fax to another person stating the same thing. then I started getting Phone calls from several different people trying to change my mind. I asked again about returning my {$500.00} dollars and received several more calls still they were trying to move forward with the loan. One of the calls they talked to my wife and told her they would return {$250.00} dollars.Then today I received another call still trying to move forward with the loan asking me what they could do to { fix } things. when I told her that it was pulled and I was told I would get {$250.00} dollars back she said that I would not get anything back. After a lot of talk she said I would get {$130.00} back. I am so angry with everyone at Quicken Loans I just want my {$500.00} dollars back and get them out of my life .They changed their story so many times I do n't know what to believe and I do n't think they act very Professional at all .They say in their TV add that they close in 30 days on most loans and my loan was not difficult at all and we were not close to closing as they still wanted more information. Thankyou for looking into my problem
Consumer complaint received 2015-07-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

On XXXX XXXX, 2015, I was making a purchase at Macy 's ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) and was offered an additional discount if I " opened an account. '' I was under the impression that it was a loyalty account, but was told after entering personal information that it was for an application for a credit card. I was misled because the term credit was not used in the pitch. I made an immediate request to the store clerk to withdraw my application since I did not want my credit to be checked. 

The store clerk phoned Macy 's customer support, XXXX ( # XXXX ), and was escalated to XXXX ( # XXXX ), and was further referred to Macy 's Real Time Credit Card division, who I spoke with XXXX ( # XXXX ). I was told that my application was pending and that I would receive more information in the mail. Again, I requested to withdraw my application since my application was pending. 

My complaint was escalated to XXXX ( # XXXX ), who later retorted that my application was pending, and another request to withdrawal my application since the status was pending. It was then escalated to XXXX ( # XXXX ) who revealed that my application was an automated hard credit check and was declined. 

I had no intention of applying for a credit card and was misled into thinking that:1 ) the application was not for credit or a credit related product and2 ) that my application was pending, so the application could be withdrawn. 

These predatory lending tactics ( i.e. bait & hook at the point of sale, undisclosed verbiage, automated hard credit checks ) is misleading and is detrimental to my credit rating. 

I want the application for credit withdrawn and stricken from my credit report.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

A XXXX ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2016-01-12
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: TRANSWORLD SYSTEMS INC (TX)

I attended XXXX College in XXXX, VA. They promised students the world. The program was so unorganized and the tuition ended up being thousands upon thousands higher than originally quoted. No one in the FA department could ever explain the fees. During class they would pull you out to discuss overdue bills. The program closed down within 3 years. I was forced to not only max out my federal loans but had to take out additional private loans through their affiliate company.
Consumer complaint received 2015-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX is listed as a derogatory items on my credit report.XXXX is reporting wrong information on my credit report for a debt that was paid in XXXX 2015 in flagrant violation of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX is reporting a rating of XXXX on a scale of XXXX on my credit for a debt that was paid off in XXXX 2015. It is a wrong credit rating because the debt was paid off. XXXX XXXX is intentionally reporting wrong credit information on my credit report and it has negatively affected me.
Consumer complaint received 2015-07-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (VA)

On XXXX XXXX, 2015, I initiated a dispute with Equifax asking that XXXX XXXX XXXX acct # XXXX validate the debt in the amount of {$710.00} and that the debt was being reported twice on my report. I received notification that the file was updated to show as " paid in full '' on report # XXXX on XXXX XXXX, 2015. I also advised Equifax that the debt was being reported twice by the same company as XXXX XXXX XXXX is now XXXX XXXX XXXX ( according to their website XXXX ) and there was an entry for both names with all the same information on my Equifax report. As of today, XXXX XXXX, 2015, XXXX XXXX XXXX was deleted but now there are XXXX entries for XXXX XXXX XXXX on my Equifax report. It is unlawful the Equifax to put this information back on my report as it was previously delete. It is also unlawful for them to all the organization to report the same debt twice. More importantly, it is unlawful for XXXX XXXX XXXX ( formerly XXXX ) to misrepresent information to Equifax under the Fair Credit Reporting act. I am asking that this be investigated as I have tried to obtain resolve from Equifax to no avail.
Consumer complaint received 2016-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I 'm submitting a complaint against all XXXX bureaus ( individually ) due to the failure to investigate and process my disputes. I have notified them that the information that they are reporting on my file is not correct and I have yet to see more than XXXX updates in the past 5 months. This is absolutely ridiculous and they are a farce of a company just pulling in money for reporting inaccurate information. I require a full investigation and for the information that I have disputed with them to be processed, updated or removed within the 30 day time period or I will have no choice but to make a complaint with the Texas Attorney General as well as make a press release that details how they have failed to investigate my disputes.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just recently looked at my credit report and noticed some fraudulent accounts appearing on it. Reinvestigate and remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report.

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2024-10-03
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. (CA)

I have over 76 inquiries on XXXX 64 on XXXX and 46 on Equifax that I did not authorize only inquiries that should be on my credit report are the one in which I have a open account. I did not authorize the other creditor 's to run my credit my information was stolen in data breach
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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.

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 c
onsumer 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 XXXX 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 2024-08-26
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. (MI)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-08-26
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. (FL)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX business days.
Consumer complaint received 2024-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XXXX I received an alerts, that were 2 inquiries on my credit report. I tried reaching out to both companies explaining I did not authorize anyone to run my personal credit. One was from XXXX XXXX ( which I am currently in a lease with ). I reached out to XXXX, the first representative told me there were no new inquiries. I told her there was indeed an inquiry showing up on my credit report. I asked to switch to another dept, which happened to be there XXXX department, there I was told I was in the wrong department, and my concern was not fraud. After being switched a few more times, I reached a final department that told me they would send dispute forms and the process could take up to 45 days. The second Company was the XXXX XXXX of XXXX. I reached out to the number provided in my alert, I explained there was an unauthorized inquiry I was transferred to their Finance Dept, there was no answer. XXXX my previous sales person from XX/XX/year> called and said she would look into it. I have not received any further communication.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX business days.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name isXXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-08-26
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. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-11-24
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. (OH)

I can not access my transunion account online they are not sending me the verification email to get into my account and they don't have the correct phone number to text me the verification code. 

I also can not access my experian account online as i keep getting an internal error message.
Consumer complaint received 2024-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.