davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (IL)

I have been on time with my payments to Discover CC. I have requested numerous times if my APR can be lowered since I am a good customer, and I ALWAYS hear " we are unable to lower your APR at this time. '' The reason being?! Who knows?! It isn't because I pay late, because I don't. I haven't missed a payment. 

They keep it high because they can. I haven't used this CC since the beginning of the year. How are we supposed to be able to pay off balances when the APR charge is nearly as much as your monthly payment, which is over {$200.00} a month?! *My monthly payment has been around {$220.00}, and the total in interest fees they take is approx {$160.00}!! I'm shelling out to these people over {$200.00} a month and only a quarter of that ... {$56.00} ... is even touching my balance. 

All I'm asking is for a lower APR so my family has a chance to pay this debt off as I'm making faithful payments monthly. 

I think this is thievery and it should be stopped.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

During a recent review of my credit report, I came across inquiries that I do not recall having authorized. As you are aware, such an unauthorized inquiries should not be reflected on my credit report, as it is in direct violation of the Fair Credit Reporting Act, which safeguards the privacy of individuals ' information from unauthorized access. I kindly request that you furnish me with substantial evidence detailing the justification for these inquiries. I am confident that, upon review, you will concur that these inquiries have no valid basis for being present on my credit report.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

Equifax changed the name on my account from XXXX XXXX XXXX to XXXX XXXX XXXX, V without my permission such that they now have an incorrect name. 

Equifax is subsequently reporting fraud to creditors who pull my report due to their error in updating my account with erroneous information. Equifax is refusing to correct their mistake.
Consumer complaint received 2023-08-12
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. (MN)

15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT. 
I did not give permission to use my consumer credit. I never had any contract with XXXX XXXX XXXX, Nor do I recognize this account. 
My rights are being violated.
Consumer complaint received 2024-10-27
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 have been contacting this bureau about inaccurate accounts on my credit profile. To date, I have not recieved any information for the investigation. Also, I have not recieve any proof or documentation that verifies that the debt belongs to me. I have listed the following inaccuracies below. 





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
Consumer complaint received 2023-08-12
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXXXXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$680.00}
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2019-01-03
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. (NJ)

Here are List of inquiries desired to be deleted, Their customer service would not help and take care of the negative inquiries reporting to my credit report for Trans union They gave me an attitude about speak with there manager. 

XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX-XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX/ XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX # XX/XX/XXXX
Consumer complaint received 2019-01-04
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: CREDIT ACCEPTANCE CORPORATION (GA)

I recently reviewed my XXXX profile and found a hard inquiry from a " non-account '' holding creditor named Credit Acceptance and XXXX XXXX XXXX on XX/XX/2018. 
I've never gave permissable purpose thru verbal or written authorization to view my credit profile. This may be a case of predatory tactics often used by some auto dealers but without the consumers authorization. I've never received any type of confirming denial or approval of any loan I allegedly applied for with this company. 
I wrote a letter to dispute the inquiry and requested proof from XXXX & Credit Acceptance of authorization by me or delete from my XXXX credit profile immediately! This hard inquiry is suppressing my credit score. 
I have attached images of the letter I sent XX/XX/2018
Consumer complaint received 2023-08-24
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)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-08-11
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. (IN)

there is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. i am requesting that the reporting of this information be blocked and deleted .my request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. the identified transactions are not information related to any transaction by me as the consumer. : XXXX XXXX XXXX other than personal date XXXX : TransUnion : XXXX XXXX XXXX  other than personal : mortgage reporters XX/XX/XXXX : XXXX : XXXX XXXX XXXX other than personal : miscellaneous reporters ; XX/XX/XXXX XXXX : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FINANCE OTHER THAN PERSONAL XXXX/XXXX/XXXX ; Transunion : : XXXX XXXX  : MISCELANIOUS REPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all files see attachment to follow ; ; you are required to do what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice i look foward to your response
Consumer complaint received 2019-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC. (CA)

My XXXX year old son and I initially contacted Equifax XX/XX/XXXX about placing a security freeze for him. After some back and forth and no substantive response from Equifax, we called again XX/XX/XXXX and were told that it's not possible to create a security freeze because he is over XXXX years old and does not have a credit file. We were told that once he has credit, then they can place a security freeze. 

I told Equifax that XXXX  and XXXX  were able to place a security freeze by creating a credit file for my son and then placing the freeze. XXXX is the only company that won't do this. Equifax indicated they are in compliance with regulations. 

My complaint is that there is no way to fully protect my son 's credit if Equifax won't freeze his credit. I question if they are in compliance with regulations. If Equifax is in compliance, they should protect consumers like the other companies do. Especially since they were involved in one of the largest data breaches ever.
Consumer complaint received 2019-01-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Suburban Credit Corporation (TX)

I had a medical bill from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The medical date has been paid and I have the canceled check to prove it. They send my account to collections to SUBURBAN CREDIT CORPORATION XXXX XXXX XXXX, XXXX, Virginia XXXX
Consumer complaint received 2023-08-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (AL)

This company have not contacted me about any debt or collection. I see that they are collecting for a apartment complex. I did not give this collection agency permission or authorization to put anything on my credit. Since i didn't get anything that verified i owe this debt i am asking for this collection to be return back to the original creditor so i can handle it with them. I am asking the collection agency to send me proof that i gave them consent to put this on my credit. I am asking the collection agency to show me a signed agreement that i have with them not the original creditor. Once again i am asking this collection agency to remove this collection off of my credit report and to give it back to the original creditor that gave them the debt. I am not working with a debtor who bought my debt. Once again i am asking the collection agency to show me a signed contract between me and the collection agency not me and the original creditor.
Consumer complaint received 2023-08-12
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: AMERISAVE MORTGAGE CORPORATION (AZ)

This afternoon I received 3 calls from Amerisave Mortgage. none of which answer. A few minutes later I received an email that this same company had run my credit through XXXX XXXX. Without my consent and without my having had any communication with this company. At that time I received an email from XXXX that my score had been lowered by this company who ran my credit for a home loan. I HAVE NEVER APPLIED FOR A LOAN WITH THIS INSTITUTION OR WITH ANY OTHER.
Consumer complaint received 2023-12-09
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. (GA)

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. 

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 has violated my rights. Or list of inquiries 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 2018-11-15
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. (ID)

I send letters to Credit Bureaus for months and I don't seem to get anywhere! They refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2023-08-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NE)

My mortgage increased by almost {$500.00} overnight due to an incorrect tax calculation by my lender. A calculation from the previous homeowner ( who had a homestead exemption ) was used, and the taxes were almost half of what the most recent prior owners had paid. Just after a year of making timely payments, my mortgage increased to cover the taxes that were calculated incorrectly from the first year of my mortgage and to adjust for the second year going forward. I called my lender, Caliber Home Loans, and was told that they based their calculation on what was on record and that the taxes had to be paid. I asked if there was anything that could be done since I could not afford that much of an immediate increase, and it was suggested that I apply for a " COVID forbearance. '' I did not have COVID but was told that I would qualify for a forbearance if I was 30 days behind on payments. The representative from Caliber Home Loans said that I should not pay my mortgage for the month, and on the XXXX day, call to apply for assistance. They told me that I would have a 90-day forbearance period and then would be put on a loan modification plan with trial payments for the next 90 days if I qualified. Since I had an unexpected XXXX and two major insurance claims on my home due to storms during that time, I took the representative 's suggestion. I completed the paperwork that was provided to me and was approved for a forbearance. During the process, my loan was transferred to XXXX Mortgage, and it was extremely difficult to connect with anyone to answer my questions about how my credit would be affected. I kept getting bounced back and forth between Caliber and XXXX, and no one could provide answers. I did everything I was told according to my paperwork, made the trial payments as agreed, and my loan was modified. Several months later, I saw that Caliber Home Loans reported late payments to the credit agencies, so I submitted a dispute, which Caliber claimed was not valid. I tried to call Caliber to discuss this, and they had no record of my loan since it was transferred, so I then called XXXX. The gentleman who I spoke to that day said that 'this happens all the time ' because of representatives giving clients incorrect info regarding the forbearance process. He said the forbearance lasted only 90 days, and then I would have needed to pay the three months of mortgage in full at that time to prevent a credit issue, but since I was on the trial plan for the next 90 days that it makes my payments late by 90-days. This was never explained to me. He then gave me an address for Caliber and suggested writing a letter, but it was a XXXX XXXX XXXX, and I couldn't certify it. Now I am trying to purchase a new home, and the late payments are preventing me from obtaining a new mortgage.
Consumer complaint received 2023-08-12
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: WELLS FARGO & COMPANY (IL)

My Wells Fargo card was used fraudulently in XX/XX/2022 to make purchases at a XXXX XXXX and a store named XXXX. Wells Fargo continues to tell me the charges are valid, On or around XX/XX/XXXX I was contacted by a 'XXXX ' from Wells Fargo Executive Offices and we had a conference with the Wells Fargo Fraud Investigation Team . During this conference I was told by Wells Fargo that it 'appears ' that I made the charges- I not anyone known to me made the charges abd yet Wells Fargo is forcusing me to pay for something I don't have. 'Appears ' is not sufficient proof that I made the charges it is conjecture, speculation. The onus is on Wells Fargo to prove I made the charges, it is not up to me to prove I did not. A police report was filed, an FTC Identity Theft report was filed. I nor anyone known to me made these charges. During the conference call in XXXX, the Fraud Investigation Team was asked by XXXX to provide additonal proof that I made the charges. I was told I would hear back within 10 days. I have not. I've tried to call XXXX on numerous occasions but he never answers nor does he ever return my phone calls after I leave a voice mail XXXX can be contacted at XXXX All Wells Fargo keeps doing to me is harassment. They state I have not provided additional evidence. It is not up to me to prove the alleged appearance that I did not make the charges. The onus is on Wells Fargo to prove beyond a reasonable doubt that I made the chrages they have not. I want the credit card closed after a credit is issued for the fraudulent charges. They keep telling me they will provide real evidence ( beyond appearance ) that I made the charge. This is unethical and is elder abue XXXX discrimination to make a XXXX XXXX  with a serious XXXX pay for something they never purchased and don't have the benefit of owning.
Consumer complaint received 2023-08-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

I lost my job last year and fell behind on mortgage payments. I am employed now and trying to catch up. I was approved by XXXX XXXX XXXX district for a XXXX exemption and reduced property values. I have been working on getting the exemption and reduced property value applied to my loan since XX/XX/XXXX. I have called Loan Care on multiple occasions and could not get any answers as all the employees are only trained to collect money. I have spoken to numerous XXXX XXXX reps in the collections, escrow and customer service departments to no avail. I reached out to XXXX XXXX with XXXX XXXX on XX/XX/XXXX and she informed me that they do not send this info to the mortgage company. Every time I have spoken with a Loan Care rep they state they are not responsible for gathering that info as well. I received copies of the XXXX Exemption and reduced property values and not only emailed but also mailed copies to the Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Almost every email address I tried sent a reply stating that those emails are no longer monitored. The only one that did not kick back was the customer advocate email. When I asked a rep at Loan Care how to resolve this issue I was not given a valid email but instead a fax number. I have talked to 3 Loan Care reps this week and they all state my exemption and reduced property value is not in their system. When I asked if I would get any credit or refund for the months I overpaid I was told no. Now I feel I am being retaliated against for complaining as they are sending multiple letters and emails along with calling me five times a week.They have even sent people to photograph my home even though I keep telling them I still live here.I spoke with a rep today and she could not give me answers but made sure to ask about a payment. Every time I speak with a Loan Care rep they state they are making notes in the system but non of the reps see the notes .I have been communicating with Loan Care on a weekly basis. I can not get answers for my exemption and reduced property value which would lower my monthly payments and allow me to catch up.