davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and/or unfair. The following accounts and inquiries are causing significant financial hardship and emotional distress : XXXX XXXXXXXX Late Payment Account XXXX  XXXX Late Payment Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Collection Account XXXX XXXX  XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX  XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXX Bankruptcy XXXX I understand that some of these accounts may have been delinquent or charged off, but I dispute the accuracy of the reporting and the collection methods used. I also believe that some of the inquiries were made without my knowledge or consent, and may be in violation of consumer protection laws. 

I am emotionally distressed by the impact these items are having on my credit score and my ability to secure loans or obtain housing. I believe that the practices of the companies reporting these items and making unauthorized inquiries are unethical and potentially illegal. 

I request that you investigate these items and take appropriate action to correct or remove any inaccurate information from my credit report. I also request that you take action to prevent these companies from engaging in unfair or illegal collection practices and unauthorized inquiries in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-11-03
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. (FL)

I called XXXX Transunion, and XXXX and told them that the inquiries on my report was not known or authorize. They said that they can not be removed because they are verified. They could not tell me how they verify the inquiries. I also did the online dispute.
Consumer complaint received 2023-03-10
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right 15 USC 1618 section 602 States i have the right to privacy 15 USC 1618 Section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as fot late purpose
Consumer complaint received 2023-03-10
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. (CA)

I'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. XXXX XXXX ...., XXXX XXXXXXXX ...., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... XXXX XXXX XXXX XXXX ....
Consumer complaint received 2017-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Upon reviewing my XXXX credit report I recognized that I have XXXX hard inquiries that I have NO KNOWLEDGE of. The name of the companies are XXXX XXXX XXXX with hard inquiries listed for XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX. 

Upon reviewing my TRANSUNION file I also noticed 3 hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX showing for XXXX wf/dillards XXXX XXXXXXXX XXXX  XXXX that is showing for XXXX and XXXX
Consumer complaint received 2021-07-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (TX)

I closed on the refinance of my home on XX/XX/2021 with XXXX XXXX XXXX. 
On XX/XX/2021 I received a call from Loandepot ( the original loan holder ) saying that the payoff was in the wrong amount which was not accurate because I have documentation of closing. Loan depot was saying the payoff statement/check was sitting in suspense on XX/XX/2021. On XX/XX/2021 I received another call from Loandepot and a service representative said it was resolved but when I am looking on the online portal with Loan Depot the loan amount is still not XXXX out and they've had several people calling me to collect a debt when i have already refinanced and closed with a different lender. On XX/XX/2021 I was still seeing a balance online and i gave Loan Depot a call and they said it was resolved after she spoke to her supervisor and that i should see it clear on the online portal in the next week. On XX/XX/2021 I spoke with Loan Depot again and the representative was trying to collect a debt for the mortgage that seems to be overdue and she confirmed the payoff is still sitting in suspense and is not being processed because it is in the incorrect amount but I am seeing the correct amount. In between these documented dates, i have received numerous missed calls from them, automated voicemails in attempt to collect a debt. I have had my lender call them but they will not give him authorization. My lender has also sent out an email on XX/XX/2021 with proper documentation of closing and payoff statement and received no response. It has been over a month trying to get this resolved and settled. Can I please get some assistance? I've called Loan Depot many times and they've called many times to collect a debt and I have to speak to a new representative every time. 

Thank you so much!
Consumer complaint received 2017-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

OnXX/XX/XXXX, I and XXXX, where I am a XXXX XXXX XXXX, signed an agreement that I would receive 4 credits in XXXX XXXX for my XXXX. This was based on meetings at the accounting department, conference calls and emails between The Department Chair, Advisor and Registrar.
The 4 credits were crossed out and reduced to 3. I received some explanation that did n't make sense, but did not make a fuss. OnXX/XX/XXXX I called the school and was told that I have to pay in order to view my unofficial transcripts. I immediately allowed the system to make payment. However, I saw that there was no title to the course, just a generic course type XXXX XXXX.
I contacted the registrar, bursar, bank, Chair and Advisor. How could this be. Our signed agreement specifically states the course title and amount of credits. Unfortunately, the only way for me to see that was AFTER I made payment. Their response was unsatisfactory. I sent written notification to the bursar tgat they are unauthorized to makethe payment.
I contacted the bank. XXXX refused to help or stop payment. I asked for a supervisor. XXXX at extension XXXX left me on hold until the call timed out. I sent written notification to the bank.
I do not need the credits to graduate, but wanted the specific tax course notation on my transcrips.
I will be contacting the Attorney General 's office and am waiting for XXXX XXXX XXXX to contact me with the address to send a formal complaint.
Meanwhile, as HSBC was unresponsive, I ask the CFPB to ensure that this unauthorized charge does not go thru. I did not get what I was told that I would get. I had to pay to find that out. The bank refused to stop payment despite my call and email.
Consumer complaint received 2023-03-10
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: EQUIFAX, INC. (TN)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-11-04
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

On XXXX XXXX, XXXX, I had been approved by Capital One to buy a vehicle. I took the information to XXXX XXXX of XXXX to buy a car. Instead of them using the information that I brought to purchase the vehicle, they ran my credit to other finance companies to get my car loan even thou they said, these inquiries would not effect my credit but, it did effect my credit. I attempted to refinance or get a heloc from XXXX and those hard inquiries have heavily decreased my XXXX XXXX and hindering me from getting the best interest rates that I got on my original home loan of 3.5 %. I want these inquiries removed from my credit file. I have been 100 % good at paying my bills and attempting to improve my XXXX XXXX in good faith.
Consumer complaint received 2023-03-10
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: EQUIFAX, INC. (NC)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX, NC XXXX
Consumer complaint received 2023-03-10
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-10
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: EQUIFAX, INC. (NY)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX # XXXX  NY XXXX
Consumer complaint received 2017-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

Upon reviewing my EQUIFAX credit report I recognized that I have XXXX hard inquiries that I have NO KNOWLEDGE of. The name of the companies are XXXX XXXX XXXX with hard inquiries listed for XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX. 

Upon reviewing my XXXX file I also noticed XXXX hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX showing for XXXX wf/dillards XXXX XXXX, IA XXXX that is showing for XXXX and XXXX
Consumer complaint received 2024-08-23
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2019-10-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MD)

My mortgage is with Chase. My payments were being made by XXXX XXXX XXXX paying early each month. XXXX was the provider of XXXX to Chase. Evidently, XXXX was sold to XXXX. On XX/XX/2019, XXXX transferred the files and told XXXX that Chase said I was bankrupt and to terminate the processes. XXXX did and did not pay Chase any longer. I have received no communication from anyone on this. I was going to open a checking account at Chase today and noticed that my mortgage had not been paid. I called and they said that XXXX will not pay them and have terminated me to bankruptcy, which I am not in since the mortgage holder would know. After much pain, I was able to get a mortgage verification letter sent to XXXX so they can restart my payments. However, I had to make a complete payment, pay late fees, and have now late payments that will be on my credit file and payment history. 

XXXX was negligent with the files transfer and XXXX was also negligent by not actually reading the date of the data and contacting the mortgage company to verify the sack of errant files that were delivered. 

What can be done? I have now marks on my credit report and had to pay fees for something that was done to me. No one will give me the records although they are about me and my finances. I thought that I am entitled to all records about myself. 

I am beyond upset and should have something done to remove the late payment recorded on me to the credit bureaus and filed to remove when a manual mortgage is run. XXXX must have been really evil and XXXX doesn't really read what they are given or even contact the person. XXXX did not let me know they were changing services. 

I can provide only the mortgage verification from Chase as the rest of the businesses refuse to provide written or electronic data. They say that they only the computers transferred the files and were processed. Evidently, XXXX did not use a human review process to read, only accept checked fields of bad records.
Consumer complaint received 2017-11-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

I opened a new checking account at a local Citizen 's Bank ( CB ) branch. CB was running a promotion ; make {$500.00} in direct deposits within the first 60 days and CB will deposit a {$200.00} bonus. I asked the banker, XXXX, if the initial qualifying {$500.00} direct deposit could be broken up into multiple deposits, or had to be one large lump sum. She specifically told me that as long as the direct deposits added up to {$500.00}, either would be fine. 

I immediately adjusted my funding accounts at work for two direct deposits of {$250.00} each to be deposited over the subsequent two pay periods ( totaling {$500.00} ). However, the {$200.00} bonus was never credited to my account. I called in after the 60 day period expired, and was told that the initial deposit had to be one lump sum of {$500.00}. So I contacted XXXX, who advised that she reached out to CB 's marketing department and asked for an exception. Unfortunately, the exception was denied, even though she initially advised us that the qualifying deposits could be broken up. 

I attached the e-mail conversation with XXXX. She advised that she never stated that the initial deposit could be broken up. However, I would not have broken up the deposits if I was n't informed I could do so. The only reason I broke up the deposits was because it was more of a convenience ; doing the one lump sum would have required me to temporarily delete one of my funding accounts from my company 's payroll system. 

The whole ordeal has been really unfair. I know it 's my word versus the banks, but I really feel that this is a UDAAP issue. Please make an exception and credit me the {$200.00} intro bonus.
Consumer complaint received 2024-10-02
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Benht: Economic Development Corporation (TN)

I requested a {$1200.00} payday loan. I agreed to repay the loan with auto draft payments of over {$300.00} to repay the loan plus some interest. I have attached a loan agreement of ridiculous interest charges that I mistakenly agreed to. I am making plans to payoff the loan in full. But, I attached the agreement for evidence. They should have consequences for such usury.
Consumer complaint received 2017-11-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Williams & Fudge, Inc (NH)

Debt Collector: Williams & Fudge, Inc. 
Name of person: XXXX XXXX - XXXX

I have been called 8 times in the past 4 days by this company, and they have contacted my mother several times as well. My mother was not a cosigner on this loan, and they should not have her contact information. These loans need to be rolled into the rest of my consolidated federal student loans so that I may fairly pay them off. It is relatively low balance and does not merit this type of aggressive harassment and collection. My current monthly consolidated payment is $XXXX due to a low income, so I should not be harassed for this amount. I have been given no options for monthly repayment, and instead me and my family are getting harassed. I am happy to figure out a low payment plan, but this is getting out of hand.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank of America is inconsistent with the way they manage my business bill pay which makes it Impossible for me to know how much is in my account. They sometimes deduct the funds on the day it is scheduled, and sometimes do not. They have for 10 years I have had bill pay deducted the funds the day the payment is scheduled, however in XX/XX/2022 they changed it without warning causing me to bounce checks, I made a complaint thru cfpb and they fixed the problem, however today it has started again, I had scheduled XXXX to be paid today and those funds still show in my account making me think I have XXXX more in my account than I really do XXXX XXXX XXXX XXXX XXXX XXXX View payment details to XXXX XXXX XXXX XXXX XXXX XXXX on XXXX in the amount of {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX payment details to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX in the amount of {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX payment details to XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX in the amount of {$490.00} XXXX oXXXX XXXXXXXX  XXXX plan XXXX View payment details to XXXXXXXX XXXX XXXX plan XXXX on XXXX in the amount of {$100.00} XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on XXXX XXXX XXXX amount of {$850.00} XXXX LXXXX XXXX XXXX XXXX payment details to XXXX XXXX XXXX, XXXX XXXX in the amount of {$2000.00}