davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: The Savings Group, Inc. (CA)

Subject : Complaint against XXXX and The Savings Group for misleading advertising and hard inquiry refusal removal. 

I am writing to complain about XXXX and The Savings Group ( XXXX ) for misleading advertising and refusing to remove a hard inquiry from my credit report. 

On XX/XX/XXXX, I was researching auto loan refinancing options through my bank and received marketing offers from XXXX. I submitted a request for more information about buying out my auto loan lease. I was contacted by XXXX XXXX of XXXX, who deceptively misled me with a multitude of " pre-qualified '' auto refi loan rates as low as 3 %. I have attached screenshots of our email conversation below. 

After several phone calls with XXXX and her team, they haggled me into misrepresenting me with a refinance rate variance of 3 % to 5 %, based on my XXXXXXXX XXXX  score, low debt-to-income ratio, and XXXX vehicle lease buyout with a fair down payment. 

XXXX ran a hard inquiry on my credit report and sent my application to multiple sources, including XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. However, all of the rates I received back were higher than 6.75 % to 8 %. I declined these absurd rates and informed XXXX that I was no longer interested in their services. 

Despite my decision, XXXX continued to badger me week after week to take their offer. It took them over 60 days to finally give up. 

My credit report still shows a hard inquiry for this misleading and misrepresented offer that I never accepted. I have reached out to both XXXX XXXX XXXX XXXX and XXXX, but they have both refused to remove the hard inquiry. 

I am submitting this complaint because XXXX is still misleading consumers about the potential " lowest '' unrealistic rates out there as low as 3 %. These deceptive practices need to be rectified. I understand that advertised rates may not always be exact, but there is a big difference between a plausible variance and a complete scam with more than double the rate advertised, even for supreme prime consumers with over XXXXXXXX XXXX  scores, very low debt-to-income ratios, and extremely low monthly carry-over debt with over 20 years of managing optimal credit. 

I can't even imagine what other lower-tier credit consumers are being misled with much higher rates than falsely advertised. 

All I am asking for is to formally remove the hard inquiry from my credit report from XX/XX/XXXX. XXXX has refused to work with me on this, even after several attempts and call escalations with different representatives. 

There needs to be more regulation on these scammers and falsely advertised marketing. A hard inquiry should be able to be removed from a credit report if the deal was never a finalized transaction. 

I am requesting that you investigate this matter and take appropriate action against XXXX. Thank you for your time and consideration.
Consumer complaint received 2018-11-14
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. (TX)

The checking account for XXXX is reporting as a charge off collection account. This account was paid in full prior to be charged off. I am requesting that this account be removed from our credit report. 


XXXX XXXX Closed : XX/XX/XXXX {$0.00} Closed Overview You've paid off 100 % of the original amount. 
Balance {$0.00} Highest Balance $ 371 Monthly payment {$0.00} Opened XX/XX/XXXX ( 5 yrs, 8 mos )  Term 0 months Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/Charge-off Worst Payment Status No Info Account Details Account status Closed Type Deposit Related Responsibility Joint Remarks Payment after charge off/collection Paid profit and loss Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-04-15
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. (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.

Account name : Personal information, My employer position is listed as " Police Sgt '', has violated my rights 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 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Attached are pertinent documents for your examination. I urge the bureau to commence an investigation into the accounts mentioned. Despite my timely payments, I am wrongly labeled as late.
Consumer complaint received 2018-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/2018 card was declined i called the company capital one and i was told they suspected fraud because my mailing address was changed .Apparently during the conversion from Cabelas credit being sold to capitol one due to the merger of bass pro shops and Cabelas some XXXX at capitol imput my home address incorrectly a new card was issued to me however they never sent a new card for my husband. he called and was told on two seperate occasions that a new card was on the way The first was regular mail and the second was to be expedited overnight, Neither card was ever sent after repeated calls to capitol one they told me the cards were not sent. my husband was so livid he called and cancelled his card and explained to Capitol one not to cancel my card. well capitol one did just that they still have not resolved the issue and i have not recived a new card, totally disgusted being lied to directly by a financial institution. If I did not have XXXX in accumulated points at Cabelas I would cancel my card but i can't use my points without a card thanks XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I have received your recent correspondence from the Complaint regarding the reinvestigation of the accounts mentioned in my previous communication. However, I remain unconvinced by the information provided, as it differs significantly from the data presented by other credit reporting agencies.
Consumer complaint received 2016-10-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (WA)

Nationstar Mortgage transferred our mortgage as of XXXX XXXX ( though the customer service agent reported it was as of XXXX XXXX ). On XXXX XXXX, I received a notice of preforclosure via certified mail from Nationstar dated XXXX XXXX.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX  and Capitol one as well as all three credit bureaus have my wrong birthdate, these two accounts don't belong to me never had either account. 

My birthday is XX/XX/1963, as per proof of birthday, with me Drivers license and my birth certificate. Please get that stuff off my credit report it is of bad faith and bad will to my credit score and has hindered my prosperity in life Also the closed accounts should be taken off my account as well, they have no balance but, those two closed accounts were actually transferred to XXXX XXXX XXXX and should not be in my account at all, also have done mo inquiries in the past ten years, please stop, this atrosity
Consumer complaint received 2024-04-14
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. (CO)

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 XXXX, has violated my rights. 


15 U.S.C section 602 States I have the right to privacy 15 U.S.C. section 604 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I XXXX XXXX XXXX XXXX ; in XXXX XXXX, Affirm under penalty of perjury under the laws of the United States of America that this statement is true and correct ; I XXXX XXXX XXXX XXXX Affirm ; that my Given Birth Name is XXXX XXXX XXXX XXXX I was Born on XX/XX/2000, My Mailing Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Affirm ; That any other Person Identity Information that reflects Different than the above mentioned Affirmed Facts are inaccurate, I Demand all Inaccurate Person Information to be immediately updated to the accurate information. 

Included you will Discover XXXX XXXX XXXX XXXX ; Certified Birth Certificate which will Further Affirm my Giving Name, My Birthdate and Correct Age As this Inaccurate Information has damaged, & Violated XXXX XXXX XXXX XXXX ; Rights to Privacy, image, name, and likenesses, reputation and also physically and Emotionally since the report appeared ; In accordance with 15 U.S.C 1681 1. I have Presented Proof of Identity ; Certified Copies of my Birth Certificate ; Affirming my Giving Name, My Birthdate and Correct Age 2. Affidavit of Truth 3. I have presented proof of Inaccurate information thats on my consumer file In accordance with 15 U.S.C 1681 & the Fair Credit Reporting act XXXX has violated my federally protected consumer rights to privacy And Violated Multiple U.S. Codes ; 15 U.S.C 1681 ( a ) ( 4 ) - There is a Need to insure that Consumer Reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers rights to privacy 15 U.S. Code 1681 ( e ) ( a ) - Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

15 U.S. Code 1681 ( e ) - Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This account XXXX XXXX is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. In addition, this account is shown on my credit report as a CLOSED ACCOUNT WITH INACCURATE BALANCE, INACCURATE AMOUNT PAST DUE AND MINIMUM MONTHLY PAYMENT from XXXX XXXX XXXX  XXXX. I do not recall this account ever being paid late or missing a payment. Please remove the inaccurate account from my report. I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with DETAILED INVESTEGATION OF DOCUMENTATION proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

When I reviewed my credit report, XXXX, XXXX and Tansunion are reporting my personal information without my consent. I see fraud accounts, addresses, names, date of birth and more. As a consumer I've already reported these issues with FTC, CFPB and all companies more than 5 times. The companies removed my account then later attached it back on my credit report. I get back the same responses and no results. This problem and unlawful acts has been going on for more than 2 years. Please review the attached documents to support my issue.
Consumer complaint received 2018-11-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (UT)

I am a XXXX XXXX. On XX/XX/XXXX, I received a request by email for a my availability for a filming job in XXXX XXXX XXXX. After several e-mails back and forth with this person, I accepted the job and they sent me a check for advance payment. I received the check on XX/XX/XXXX for {$6500.00} ( see attached ) and deposited it in my account at Chase Bank via the ATM. On Monday, XX/XX/XXXX, I called the bank the check was drawn on ( XXXX XXXX ) to verify funds. Later that day, I tried to make a deposit to my Chase account so I would not overdraft ( since the check had not yet cleared ), and was told the account was restricted and I needed to call an 800 number. I called the number and was told that my account had been cancelled and that Chase Bank no longer wanted me as a customer. I had been a customer there for 11 years. I kept escalating the call to manager after manager and got no explanation. 

On XX/XX/XXXX, I went to a branch of Chase Bank in XXXX XXXX XXXX and met with the manager. He looked at my account and said there was nothing he could do to reverse it and that I was a risk to the bank. The check had cleared but he said that I could not have the money, again with no explanation. He then made a couple of phone calls and acted like he was trying to make a case on my behalf but was unsuccessful. I was treated like I was a criminal with no explanation. He said I was banned for life from have a Chase checking account. I asked him about my two credit cards and was told that I could keep them, again with no explanation. 

I told the manager that I have direct deposits that come to that account and he told me that IF that happened, I could come to that branch only and he would give me the money. ( That did happen a few days later and by going to THAT branch, I was able to get my funds. A second direct deposit went to my account and they would NOT give me the funds, but mailed me a check about a week later. Very frustrating. ) At the end of the conversation, my mother ( who had gone with me to the meeting ) asked the manager if this was because of the check I had deposited and the manager said yes. That is the only explanation I ever received. I can only assume that the check was fraudulent and Chase Bank assumed that I was in on the fraud ( which I was NOT! ). The proceeds from the check disappeared from my account and Chase charged me a {$12.00} stop payment fee. 

I feel I have been treated unfairly and had to go to great lengths to set up a new account at another bank and get everything transferred over. 

I am happy to provide the string of e-mails I received concerning this job offer if this would help your investigation. 

Basically, I want an explanation of why I was treated like a criminal when I am the victim here. I filed a police report and have the case number if you would like to have it.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I reviewed my consumer reports and I notice accounts in a charged off status that is not accurate. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.The following accounts are inaccurate XXXX and XXXX, they are strictly in violation of 15 U.S Code 1601b verbatim in its entirety. Also, please investigate and provide proof if these companies submitted a 1099-C, if so, they then recieved a tax grace out and still negatively affecting and violating my rights which is also illegal. If proof cant be provided I DEMAND these accounts to be deleted, if not please pay the invoice attached. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshots and invoice attached :
Consumer complaint received 2018-11-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CO)

Just want a refund of {$150.00} sent to the XXXX by Western Union on MTCN XXXX XXXX XXXX on XXXX. Money was not picked up. Money can be returned to Visa Debit Card # XXXX XXXX XXXX XXXX or Visa Debit # XXXX XXXX XXXX XXXX  in the name of XXXX XXXX XXXX Additional information available if needed
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am the victim of identity XXXX  I disputed seven fraudulent accounts with Trans Union and included a police report and I identity affidavit Trans Union has failed to block the fraudulent accounts and verified that was accurate.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One ( ... XXXX ) has improperly reported a debt to a credit reporting company without meeting their obligations under the Fair Debt Collection Practices Act ( FDCPA ) Capital Ones negligence on this account has caused a negative credit bureau report. 
I paid a total of {$2700.00} through XX/XX/2022 through a XXXX XXXX solutions program which my wife XXXX set up for us. All was going well. Then without our knowledge, Capital One withdrew from receiving monthly payments. For 2 years afterwards, Capital One never sent us any kind of communication for additional balance after they refused monthly payments leading me to believe the account was paid off. 
We didnt find out about a remaining balance until my credit reports were recently pulled when I applied for a loan. 
I have contacted Cap One about this but was told the account does not exist and the second time I contacted them, they had no explanation as to why I wasnt informed that they were no longer accepting payments and why they never me statements for previous balance or the remaining balance. 
I should not be penalized for their negligence, gross lack of communication which denied me the chance to at least be aware of the outstanding balance after they stopped taking my monthly payments. The account is over 7 years old, I am requesting it be removed my XXXX & XXXX reports.
Consumer complaint received 2018-11-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC (TN)

on XX/XX/2018, XXXX XXXX, debit my checking out three times. I agreed to make payment on XXXX and the acct was okay with that. due to some health issues, I wasn't able to make the XXXX, but I had planned to contact them once I was feeling better, they have done this several times and I asked my bank to restrict this merchant. I believe this company has it in for me and they feel they can charge whatever they without my authorization. they should be a law for companies like this who tend to bullied customers acct without their regard. I am sure nothing good will come out this, they are tough as nails and negotiate is not an option for them
Consumer complaint received 2023-09-23
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. (DE)

I recently reviewed a copy of my credit report I was shocked to learn I have been a victim of identity theft I found numerous accounts on my consumer report that wasn't opened by me I am in pursuit of purchasing a home please remove this from my consumer report as soon as possible
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

I had direct deposit through my job at XXXX XXXX, the bank allows their customers payday loans before they get their paycheck knowing that it's going to be deposited I was overcharged and over billed which caused my account to be closed. In this lawsuit Wells Fargo lost I do for a payback more than {$100.00}.