davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
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. (OR)

TRUN DOWN BY Over 6 lenders, discrimination complaints against a federal government agency this was filed with the Federal Trade Commission and the Consumer Financial Protection Bureau. list of complaints never getting addressed. due to the lack of not getting Addressed, I collect countless documents and images and sent with complaint, sent letter to them send letter certified, they Received them and did nothing, to your office as well as the credit bureau. you office had over 18 complaints not being address, the credit bureau reported debits valued when the reporting data is showing no payments every made, accounts were closed a-part of a XXXX XXXX XXXX  refi. checks was sent and data wasn't proved to them right. on XXXX and money was taken out off mine and my wife XXXX XXXX, after fight over 2 years with this matter your office failed to removed this wrong info, by blocking American disability act, and the fair debt collection practices act, i have sent-mail and emails to the following with no results, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, As you can see from the list provided I'm getting no were i asked your to call me when this happened in Utah and now its still going on i have ended up with a XXXX XXXX  XXXX XXXX over this i ended up in small claim court were the dismissed after spending XXXX or more.
Consumer complaint received 2024-03-15
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. (TX)

XXXX XXXX  has violated a few consumers laws in regards to my credit report. I have asked XXXX XXXX  to vary my address because I have not received any information on my account and they are reporting late. My address is also incorrect in their system. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I want to move into an apartment I can not get approved bc of the inaccuracies on my consumer report. They have violated 15 USC 1681s-7 ( A ) ( i ), 15 USC 1681a , and 15 USC 1666B . The accounts are also closed accounts.
Consumer complaint received 2023-12-12
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: 90 Day Credit Experts (OK)

I signed up with this company under the guise of {$150.00} per month would take care of all services, I was informed I would still need to get XXXX XXXX so they could pull my reports monthly. I explained to the representative that my income was set and I really could not afford it but they did not care.
Consumer complaint received 2023-12-12
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. (IL)

I have a pending lawsuit against all 3 credit bureaus for their failure to accurately report my credit information.

I need 3 things to happen by the end of this month or i will proceed forward with the lawsuit. 

1. XXXX XXXX and any other derogatories need to be removed from my credit report now. These things are damaging my credit and I will seek relief if we have to go to court. 
None of the information matches on all 3 credit profiles By law the information has to match across all 3 bureaus. By law of 15 U.S. Code 1681s2 part A, I have a cause to believe this information is incorrect. I have repeatedly for years have asked for changes to made and you all refused!

2. It is illegal for my report to have late payments.

PEr law 15 usc 6802. A financial institution is not able to disclose nonpublic personal information to a non affiliated third party. You all have done this multiple times and understand there are fines that you all will pay if this lawsuit goes through.

3. You all put on my credit report that I live in XXXX, TX. 
I have never lived there a day in my life. It is illegal for a credit bureau to falsify information on a consumer credit report. This alone has impacted in me getting many denialS of credit because they couldn't verify my location. 
THIS HAS NEVER BEEN CORRECTED.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

After reviewing my consumer report, I have found several inaccuracies and accounts. There are multiple hard inquiries that have not been authorized by me according to the FCRA 15 USC 1681 et section 604. My only name is XXXX XXXX XXXX, not XXXX. 
Hard Inquiry Names that are listed under XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX do not belong to me. These inquiries are not tied to any accounts opened by XXXX XXXX. Please remove the following hard inquiries from all 3 consumer reporting agencies, XXXX, XXXX, and XXXX in accordance with the 15 USC 1681 et section 604 immediately : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Services Date : XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Lentegrity Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX, XXXX Date : XX/XX/XXXX XXXX- XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX and XX/XX/XXXX XXXX, XXXX Date ; XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX
Consumer complaint received 2023-08-28
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. (SC)

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 2023-09-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XX/XX/2023 Subject : Dispute Reasoning Letter - Request for Immediate Deletion of Unauthorized Inquiries from Consumer Report Dear Sir/Madam, I am writing to formally dispute the presence of certain unauthorized inquiries on my consumer report maintained by your agency, which violate my rights as a federal protected consumer under the provisions of 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b. I request that you take immediate action to delete these items from my consumer report in accordance with the applicable laws and regulations. As a diligent consumer, I have thoroughly reviewed my consumer report and discovered the presence of inquiries that have been reported without my written consent, thereby contravening the provisions outlined in 15 U.S. Code 1681c-2. This violation is not only a breach of my privacy rights but also undermines the fundamental protections guaranteed to consumers under the U.S. Constitution. Moreover, in accordance with the " saving to suitors '' clause as prescribed in sections 41 ( 3 ) and 371 ( 3 ) of title 28, U.S.C., I am asserting my rights to seek resolution of this matter through appropriate channels. The fraudulent reporting of these inquiries is in direct violation of the principles enshrined in the U.S. Constitution, which upholds the sanctity of individual rights and protections. I kindly request that you promptly investigate this matter and initiate the necessary steps to delete these unauthorized inquiries from my consumer report. It is crucial that your agency takes immediate action to rectify this error, as the presence of these inquiries is not only inaccurate but also has the potential to impact my creditworthiness and financial well-being. Please find my information below for reference : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NC XXXX Email Address : XXXX I expect your full cooperation in resolving this matter expeditiously, within the prescribed timeframes as defined by the Fair Credit Reporting Act ( FCRA ) or 30 days from this document 's date. Failure to comply with these legal obligations may leave me with no choice but to pursue further action to protect my rights as a consumer. I would appreciate a written confirmation acknowledging receipt of this dispute letter and providing an outline of the actions you intend to take to address this matter. Furthermore, I request that you provide me with a copy of my updated consumer report once the unauthorized inquiries have been removed. Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism, adhering to the legal guidelines and your responsibilities as a consumer reporting agency. Yours faithfully, XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XX/XX/1988 Dear credit Bureau To whom it may concern : Account Name : XXXX XXXX XXXX Account Number : XXXX I received a copy of my credit report. To my surprise you are reporting this account incorrectly. This collection account is reporting not only as OPEN but also shows a pastr due balance of {$1700.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy new credit report reflecting this account removed upon completion.
Consumer complaint received 2023-12-13
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: Self Financial Inc. (TX)

I would like to thank your company for the many great years of service that Ive experienced as a customer. I have been very loyal during this time ; however, I am requesting some assistance from you if possible. 

Ive experienced some rough patches in life that were very difficult to handle due to some personal issues. I have always tried my best to get every single payment in on time, however there were a few times in the past that I was late. Apart from those few late payments, my track record for paying on time has been great. However, the few times that I was late shows on my credit report, and this can make it extremely difficult and hard to qualify for a mortgage, auto loan etc. As Im sure you know.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Kikoff Inc. (NV)

Kickoff advertised a {$200.00} bonus after opening account and having direct deposit for 90 days. Account was opened in XX/XX/XXXX. XXXX dates were XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. The kickoff app confirmed the requirements were complete and kickoff is refusing to give the bonus. I have attached screenshots
Consumer complaint received 2023-12-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (CT)

XXXX XXXX XXXX XXXX XXXX is charging me for an XXXX which was never delivered to me. 
XXXX XXXX XXXXI tried using XXXX XXXX XXXX service last year around XX/XX/2022 and ordered a new XXXX through the XXXX XXXX XXXX XXXX XXXX. 
-- -- -- XXXX XXXX  XXXX shipped the device and I got the XXXX tracking number but the device got lost/stolen in transit by XXXX. 
XXXX XXXX XXXX XXXX XXXX tracking number for that XXXX shipped till date shows status as " In Transit '', even after one year. 
XXXX XXXX XXXX XXXX XXXX  I've reached out multiple times in the last 1 year to both XXXX and XXXX XXXX XXXX and no one is ready to accept their responsibility and correct the course of action here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is charging me {$1000.00} for the lost XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported this to the Debt collection agency here " SUNRISE CREDIT SERVICE '' and they kept messaging my phone for collection of Debt which I don't own. 
XXXX XXXX XXXX XXXX XXXX SUNRISE CREDIT SERVICE reported this as a " Derogatory Remark '' to my credit bureau and my excellent score now looks very bad. they reported this to XXXX
Consumer complaint received 2016-09-26
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: America's Mortgage Lender, L.L.C. (NJ)

We 've started working with this company called CMS ( Customized Mortgage Solutions ) via a broker named XXXX XXXX XXXX on XXXX XXXX and submitted our application on XXXX XXXX. We provided all info they needed and the initial closing date was XXXX XXXX. They missed the due date which was XXXX XXXX to get us the loan commitment letter and ordered appraisal after XXXX XXXX. We kept emailing about the appraisal schedule since it 's a XXXX family house and both units are occupied by tenants which we already informed them several times. Eventually we heard back from our agent that the appraiser went to the property without any appointment or notice on XXXX XXXX and could n't see the inside. They requested re-visit fee and we denied at first because it was n't our fault, but our seller 's agent said she would cover the fee and CMS ask me to pay with my credit card since it 's under my name. So I gave them the authorization and I figured they charged on mine & the seller 's agent, which was double charged. 
After the appraisal, the report took more than 2 weeks and after we got the report I found they put the wrong picture in XXXX page & wrong floorplan sketch with wrong sqaure footage on XXXX page which they made the property half of the size. 
I requested to fix this more than 4 times via email over 5 days and CMS never replied on anything. We finally decided to move with another company and let the lender know and requested a refund on the wrong appraisal report & re-visit fee but all they said was they have no control. I asked my attorney about this and he said CMS should refund the money if the report is wrong.
Consumer complaint received 2017-04-04
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PRESTIGE FINANCIAL SERVICES INC (IL)

My husband and I XX/XX/XXXX XXXX XXXX and Prestige Financial XXXX, UT XXXX was our lien holder account number XXXX. We purchased the car in XX/XX/XXXX. I was in a accident the person that hit my car had XXXX insurance. XXXX gave me a list of companies that guarantee there work here in XXXX, Il so I choose XXXX XXXX. We originally owed XXXX on the car and the damages was XXXX the car was fixed and about 1 year later the car stopped so I called XXXX and they came and towed the car I was told that the transmission went out and the car had XXXX miles.At that time we could n't afford to get the car fixed and make the payments. We informed Presitge, the car ended up being sold to XXXX. We never received a certified letter saying the car was going to be sold. According to Illinois repossession and legal aid they should have done commercially responsible resale which goes under section 810ILCS 5/9-625. Prestige should have sold the car in a auction or made it public instead they sold the car to Prestige Financial for a lower cost instead of the highest bidder. Prestige Financial took us to court and we were not able to go to court so there was a judgement of XXXX against my husband and I. Which we only owed XXXX to began with. I do n't think it 's far that Prestige gets XXXX from us and they sold the car a car that we will never have. Prestige has also been garnishing my husband pay checks
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Capital One won't stop sending offers. We are on the opt-out list. Their legal dept sent a letter reading it would stop and it doesn't. PLEASE HELP!
Consumer complaint received 2017-03-31
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (MI)

My complaint is w Citi-mortgage, they are reporting me as a derog, on all XXXX of my credit reports. ( XXXX, XXXX, XXXX ). I filed a Chapter XXXX, and was discharged XX/XX/2011. They are reporting a credit history, Acct # ending in XXXX. I am trying to buy another home and this reporting is not allowing my fresh start. I have paid the price for my bankruptcy. This needs to be deleted as its not reporting correctly. They also sold my loan. I have no contract w them. I have already been denied credit, this is now slander with damages. I have already suffered damages from them.They can not report a history or what payments were. They could only report included in bk and was discharged nothing more. Therefore its in-accurate demand a deletion immediately. I demand a corrected report be sent to me with the updates. My reporting appears as a foreclosure. I am still paying on my home but with a different mortgage company and I 've never been late.
Consumer complaint received 2024-01-03
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: Experian Information Solutions Inc. (TX)

I sent a dispute to Experian in the month of XXXX, however, I recieved an email respnose from Experian claiming the dispute was " invalid '' and " did not appear to come from me '' The dispute was in fact me, I even sent along a identity theft report, along with my government issued ID I've attached the dispute and identity theft report along with my ID
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-01-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (AL)

After paying off my lease and purchasing the car, I went to sell it several months later and discovered the title I was sent was not valid. For some reason during my lease Chase had requested a new title which made the one I was sent not valid. so after not having a valid title and losing the sale of my car i called Chase. They told me they would have to send a request to the title department and this could take 30-45 days. after 45 days and multiple calls back i was told, now they can not locate the title and will have send off for a duplicate title from XXXX. Again could take up to 45 days. Now more than three months into this process I am still waiting>>>>> they say title was issued about two weeks ago and all they can do is wait to receive it and then it will be mailed to me. meanwhile I am unable to sell my car- it is sitting losing value and i am losing money each month paying for insurance> They are the most incompatunt company I have ever delt with amd WILL NOT EVER deal with again.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-04-05
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Essential Retrieval Group (IL)

My girlfriend was contacted by phone on XXXX/XXXX/XXXX by phone. A message was left stating that the agency would be delivering documents to appear in court and that XXXX forms of identification should be provided at time of delivery. To cancel this delivery, they would need to receive a returned call. She thought maybe this was a call for herself, as they did not mention a name in the message, so she called the number the agent provided to get more information. She spoke with an agent who went by the name of XXXX. The agent mentioned to my girlfriend that they were trying to reach me through her, that I owed a debt, what kind of debt was owed, who the debt was with and the year the debt was supposedly from. ( As a side note, they said the loan debt was from XXXX though I did not take out or owe on a loan, other than long-standing student loans, in XXXX. ) My girlfriend gave me all of the information they provided so I could look them up and report them, and all I 'm seeing are comments and reports of unethical and possibly illegal practices.