davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I recently obtained a copy of my credit report and noticed that there was some unauthorized inquiries on my report that was not given with my written instructions. Those Inquires listed 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
Consumer complaint received 2023-05-02
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. (MD)

I am so stressed and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.
Consumer complaint received 2023-05-02
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. (FL)

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$590.00}, XXXX XXXXXXXX Date Opened : XXXX  Balance Owed : {$100.00}, XXXX XXXX Date Opened : XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XXXX Balance Owed : {$620.00}, XXXX XXXX Date Opened : XXXX Balance Owed : {$8200.00} ; Inquiries XXXX  XXXX Date XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX Inquiry XXXX XX/XX/XXXX, XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 information is inaccurate.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX is reporting a collection account for XXXX  that was opened in 2019 this account is not mine and I have disputed and requested verification that it belongs to me. They do not verify and continue to report and change information. I had disputed with experian and they had deleted it and then XXXX XXXX reported again as past due. They have not sent any bill and continue to not verify this debt. Experian also does not investigate and validates the debt in less than a day. Indicating absolutely no investigation.
Consumer complaint received 2015-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On my credit report, there are XXXX accounts listed showing I am an authorized user which should no longer / not be on there. XXXX, XXXX and XXXX each have account with my name listed as an authorized user. They each have a balance of {$0.00} and I have no idea who to contact regarding ownership of the accounts to have my name reviewed. According to the credit reporting agencies, I am to file this complaint to have them corrected. Therefor, this is the sole purpose of filing this information with you.
Consumer complaint received 2023-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$830.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2016-11-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (OK)

Ally Financial called my parents ' home number which I never gave to them EVER to harass them about ONE late payment. I had already filed a complain against them for abusively calling my own phone number, so I assume they tracked down my parents ' phone number and decided to attempt reaching me by harassing them. Unacceptable and, in my opinion, worth being sued for it. When I called them to ask how they got the number when I never gave it to them they said they would not remove my parents ' phone number until they received payment. The representative was rude and then hung up on me. They have absolutely no right to harass my elderly parents who have NOTHING to do with my own accounts. And this came to happen with just ONE late payment that was n't even 30 days late yet. This is completely unacceptable. Late or not, they have always been paid and I have paid ALL late fees. This harassment MUST STOP.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi. My name is XXXX XXXX ( last XXXX SSN XXXX ). I have two items on my credit report that I feel are incorrect. 

First, is an alleged debt from XXXX XXXX XXXX in the amount of {$3000.00}. This debt has been reported on all three credit bureaus. This alleged debt amount is from an apartment complex that was shared by myself and my significant other. We never received anything in writing from the apartment complex regarding an outstanding balance. How can a company place a debt in collections without at least giving consumers the opportunity to pay it? This debt has also been applied to my boyfriends credit reports as well. We have not way of verifying the validity of this collection account. Personally, I feel as though this is retaliation on behalf of the apartment complex for several complaints we had made prior to our lease ending. Ive reached out to the credit bureaus regarding my concern ; my dispute came back as valid. 

Second, is my account with XXXX XXXX XXXX. My credit card account was closed by them back in XXXX. Theyve recently decided to report a balance increase last month on a closed account, which is causing my credit score to drop even more. 

These credit agencies/bureaus should have a more uniform, consistent manner in which they can report/add items to consumers credit. We are literally at the mercy of them, which is so scary because we need credit in order to live. Erroneous credit items and illegal reporting is costing Americans XXXX, maybe XXXX  of dollars.
Consumer complaint received 2023-05-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (GA)

I applied for and received an XXXX dollar loan from Net credit. I had just had a XXXX XXXX and needed money to help pay the hospital bills. I was in a very bad place and did not throughly review the documents. 

I was unaware that the interest rate being charged was 59 %! Which is absolutely outrageous. 

I have made numerous payments since XXXX and my principal has not declined. 

My FICO score was XXXX at the time of the loan. I am now aware of my situation and what to payoff this debt but the company is not cooperating. 

If this is not predatory lending..it certainly should be!
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 60 day mark and confirmation shows they have received my dispute over 60+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2020-06-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

IQ Data International is attempting to collect on a debt illegally. They are violating Section 392.101 of the Texas Finance Code which prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

As of XXXX XXXX  central time, the listed company does not have an active surety bond with the state of Texas and therefore is not legally able to collect on the alleged debt. Not only are the trying to collect illegally, the representative I spoke with requested to collect from XXXX income. I called back and requested to speak with a supervisor or manager and was connected to XXXX XXXX. I advised him that their company was not authorized to attempt to collect and requested the debt be deleted in it's entirety and removed from being illegally placed on my credit reports. XXXX XXXX said that they will continue to attempt to collect and sue me for the full balance of the alleged debt. 

This illegal information reflecting on my credit report is causing harm to my ability to be approved for credit as well as harm to my mental and emotional health. 

In addition to violating Section 392.101 of the Texas Finance Code, I never conducted any business with this company and have no knowledge of doing business with them. I have requested proof of the validity of this account and have never received it. I have also requested proof of having conducted business with IQ Data and did not receive it. I requested proof of the exact dollar amount of the debt they are claiming I owe and still did not receive a response.
Consumer complaint received 2023-05-02
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. (NV)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A.States i have the rights to privacy.

15 U.S.C 1681 Section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my wriiten 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 consmer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-05-02
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (WA)

I own a home and the adjacent lot ( which has a mobile home. ) I obtained a reverse mortgage on my home some years ago. I put the lot up for sale and the legal description for the reverse mortgage is for both parcels. 

Initially the mortgage company required I divide my parcel into two, separating the mobile home parcel and the parcel with my home, in order to qualify for the mortgage. 

The legal description was not updated before closing my loan and thus the additional parcel is also burdened with the reverse mortgage. The escrow company, XXXX XXXX, prepared a correction deed which PHH has never acknowledged. 

For 7 months myself, the escrow agent, the loan officer, my agent and myself have been trying to get this corrected. I have already lost a buyer and I can't offer the property again until the title is clear. The market is going down, this has cost me money. I was selling the mobile home parcel because I needed the money, the several additional months has cost me my credit, additional late fees, utility shuts offs, etc. 

We are all beyond frustrated. What more can we do to get a response from PHH. What recourse do I have and how can I fix this?
Consumer complaint received 2023-05-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Frontline Asset Strategies, LLC (VA)

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 XXXXXXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2015-07-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

I checked My credit through XXXX which I do on a monthly basis, And found that Wells Fargo dealer services was reporting it incorrectly I was speaking to a rep by the name of XXXX, I explained that they were reporting incorrect information on my report, My account # XXXX they are reporting it as closed, Its Open, they are reporting it as derogatory included in a bankruptcy ( which is untrue ) It opened in XXXX 2013 and is current NEVER past due and has a current balance of approx. XXXX He got off the phone put me on hold and told me It was MY responsibility to get it corrected, that I must file a dispute and take my time and effort to correct their error, this is effecting my credit score, this effecting my ability to obtain additional credit, and is damaging me. I explained under fair debt and accurate reporting that they can as a subscriber and reporter of credit investigate and review what is reporting by going into XXXX and manually correcting their error, He the rep responded with " I can only tell you what MY supervisor told me to tell I want this corrected Immediately, and what them investigated on these types of practices this Unfair and deceptive in their inaccurate reporting of consumers account 's.
Consumer complaint received 2020-06-11
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. (AZ)

I disputed multiple inquiries on my Equifax report over 30 days ago that I did not approve of and I've gotten no response from the credit bureau and the inquiries are still there and they don't report as being disputed. 

I have also reached out to the creditors that did the inquiry and they couldn't tell me anything except that someone tried to get a car loan under my name. I asked for the credit applications with my signature and they couldn't provide anything. 

The dates for these inquiries are XX/XX/XXXX and XXXX of 2020.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited a mobile check on, Wednesday XX/XX/2023 to BANK OF AMERICA mobile banking application. In the amount for {$2900.00}. XXXX no. XXXX. From the State Treasurer of XXXX XXXX for my state XXXX XXXX The account payee is Bank of America. I called the bank on Friday to inquire for the reason of the hold and spoke to XXXX : ID no. XXXX who is located in South Carolina. She can not give me any details other than they are trying to verify the funds of the check??? I find that weird. When it a Bank of America Check?? I told her I received an email from them stating that the check would be released on XX/XX/XXXX at XXXX, reference number is : XXXX. As of XXXX date XXXX, 2023. Marks a hold for 4 business days, without cause or justification for the hold to my account. Its the first of the month and I have bills, rent and food to buy!. I have asked the Bank of America in person if they can return or release the check bak to me. So that I can deposit it with my Credit Union and have no hold on this check. They said to call customer service to that. I call yesterday on the first at XXXX ; XXXX, and they had me on a very long hold over and one hour. Please help Bank of America RETURN OR RELEASE MY FUNDS! PLEASE.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Someone using my identity open credit card account at Capital One early in 2024. I did not know this fraud activity until Capital One sending me collecting letter. I filed police report in XX/XX/2024 at my local police station ( XXXX XXXX. XXXX, XXXX XXXX  XXXX XXXX record phone : XXXX ) and also filed fraud report to Capital One several times. Capital One case number : XXXX. 

I have been notified by Capital One that " activity on the account indicates I opened and interacted with this account ''. Since this account was opened by someone else stole my ID, I had never tried to open or interact with Capital One at all. My Identity was stolen and many attempts were made to open credit cards. It is only CapitalOne that denies my consumer fraud claim. I need them to fix my credit report.